Obbligazione Montreal Bank 0% ( US06367WVU43 ) in USD

Emittente Montreal Bank
Prezzo di mercato refresh price now   100.03 USD  ⇌ 
Paese  Canada
Codice isin  US06367WVU43 ( in USD )
Tasso d'interesse 0%
Scadenza 28/02/2030



Prospetto opuscolo dell'obbligazione Bank of Montreal US06367WVU43 en USD 0%, scadenza 28/02/2030


Importo minimo 1 000 USD
Importo totale 11 114 000 USD
Cusip 06367WVU4
Standard & Poor's ( S&P ) rating N/A
Moody's rating N/A
Descrizione dettagliata La Bank of Montreal (BMO) è una delle più grandi banche del Canada, con operazioni a livello globale nei settori bancari al dettaglio, commerciali e di investimento.

The Obbligazione issued by Montreal Bank ( Canada ) , in USD, with the ISIN code US06367WVU43, pays a coupon of 0% per year.
The coupons are paid 2 times per year and the Obbligazione maturity is 28/02/2030







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424B2 1 p227200424b2.htm ARC 659

Registration Statement No. 333-217200
Filed Pursuant to Rule 424(b)(2)

Pricing Supplement dated February 26, 2020 to the Prospectus dated April 27, 2017,
the Prospectus Supplement dated September 23, 2018 and the Product Supplement dated May 1, 2017

$11,114,000
Autocallable Cash-Settled Notes with Contingent Interest Payments due February 28, 2030
Linked to the Lesser Performing of the S&P 500® Index and the EURO STOXX Banks® Index

·
This pricing supplement relates to an offering of Autocallable Cash-Settled Notes with Contingent Interest Payments linked to the Lesser
Performing of the S&P 500® Index and the EURO STOXX Banks® Index (the "Underlying Assets").
·
The notes are designed for investors who are seeking conditional interest payments equal to 0.8333% per month (or 10.00% per annum) of
the principal amount, as well as a return of principal if the Closing Level of each Underlying Asset on any Call Date beginning on February
23, 2022 is greater than 100% of its Initial Level (the "Call Level"). Investors should be willing to have their notes automatically redeemed
prior to maturity and be willing to lose some or all of their principal at maturity.
·
The notes will bear interest at a rate equal to 0.8333% of the principal amount per month ($8.333 per $1,000 in principal amount) if the
closing level of each Underlying Asset is greater than its Coupon Barrier Level as of the applicable monthly Observation Date. Any interest
will be payable on the last business day of each month, beginning on March 31, 2020, and until the maturity date, subject to the automatic
redemption feature.
·
If on any Call Date beginning on February 23, 2022, the Closing Level of each Underlying Asset is greater than its Call Level, the notes
will be automatically called. On the applicable Call Settlement Date, for each $1,000 principal amount, investors will receive the principal
amount plus the applicable interest payment.
·
The notes do not guarantee any return of principal at maturity. Instead, if the notes are not automatically called, the payment at maturity will
be based on the Final Level of each Underlying Asset and whether the Closing Level of any Underlying Asset has declined from its Initial
Level below its Trigger Level on the Valuation Date (a "Trigger Event"), as described below.
·
If the notes are not automatically redeemed, and a Trigger Event occurs with respect to any Underlying Asset, investors will be subject to
one-for-one loss of the principal amount of the notes for any percentage decrease in the Lesser Performing Underlying Asset from its Initial
Level to its Final Level. In such a case, you will receive a cash amount at maturity that is less than the principal amount.
·
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 offering priced on February 26, 2020, and the notes will settle through the facilities of The Depository Trust Company on February 28,
2020.
·
The notes are scheduled to mature on February 28, 2030.
·
The notes will be issued in minimum denominations of $1,000 and integral multiples of $1,000.
·
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").

Coupon Barrier
Trigger
Autocallable
Levels (70% of Levels (50%
Note
Ticker
Initial
the Initial
of the Initial
Principal
Price to
Agent's
Proceeds to Bank of
Number
Underlying Assets Symbols
Levels
Levels)*
Levels)
CUSIP
Amount
Public(1) Commission(1)
Montreal
ARC659
S&P 500® Index
SPX
3,116.39
2,181.47
1,558.20* 06367WVU4 US$11,114,000 100.00%
4.70%
95.30%
EURO STOXX
SX7E
91.56
64.09
45.78
US$522,358
US$10,591,642
Banks® Index
* Rounded to two decimal places.

(1) 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 $953.00 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 of this pricing
supplement, the "Additional Risk Factors Relating to the Notes" section beginning on page PS-6 of the product supplement, and the "Risk Factors" sections
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 the notes or passed upon the
accuracy of this pricing supplement, 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 of this pricing supplement, based on the terms set forth above, the estimated initial value of the notes was $898.10 per $1,000 in principal amount. As discussed
in more detail in this pricing supplement, the actual value of the notes at any time will reflect many factors and cannot be predicted with accuracy.

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Key Terms of the Notes:

Underlying Assets:
The S&P 500® Index (ticker symbol: SPX) and the EURO STOXX Banks® Index (ticker symbol: SX7E). See the
section below entitled "The Underlying Assets" for additional information about the Underlying Assets.


Conditional Coupon:
If the Closing Level of each Underlying Asset is greater than its respective Coupon Barrier Level as of the applicable
monthly Observation Date, investors will receive an interest payment for that month. Holders of the notes may not
receive any interest payments during the term of the notes.


Interest Rate:
0.8333% of the principal amount per month, if payable, unless earlier redeemed. Accordingly, each interest payment,
if payable, will equal $0.8333 for each $1,000 in principal amount per month.


Observation Dates:
The third scheduled trading day prior to the applicable interest payment date. Each Observation Date is subject to
postponement, as set forth in the product supplement in the section "General Terms of the Notes--Market Disruption
Events."


Interest Payment Dates:
Interest, if payable, will be paid on the last business day of each month, beginning on March 31, 2020 until the
maturity date, subject to the automatic redemption feature.


Automatic Redemption:
If, on any monthly Call Date beginning on February 23, 2022, the Closing Level of each Underlying Asset is greater
than its Call Level, the notes will be automatically redeemed.


Payment upon Automatic
If the notes are automatically redeemed, then, on the applicable Call Settlement Date, for each $1,000 principal
Redemption:
amount, investors will receive the principal amount plus the applicable interest payment.


Call Dates:
The third (3rd) business day prior to a Call Settlement Date, beginning on February 23, 2022. Each Call Date is
subject to postponement, as set forth in the product supplement in the section "General Terms of the Notes--Market
Disruption Events."


Call Settlement Dates:
The last business day of each month, beginning on February 26, 2022. The Call Settlement Date for the final Call
Date will be the maturity date.


Payment at Maturity:
If the notes are not automatically redeemed, the payment at maturity for the notes is based on the performance of the
Underlying Assets. You will receive $1,000 for each $1,000 in principal amount of the note, unless a Trigger Event
has occurred with respect to any Underlying Asset.

If a Trigger Event has occurred with respect to any Underlying Asset, you will receive at maturity, for each $1,000 in
principal amount of your notes, a cash amount equal to:

$1,000 + [$1,000 x (Percentage Change of the Lesser Performing Underlying Asset)]


This amount will be less than the principal amount of your notes, and may be zero.

You will also receive the final interest payment at maturity, if payable.


Trigger Event:
A Trigger Event will be deemed to occur with respect to an Underlying Asset if its Closing Level is less than its
Trigger Level on the Valuation Date.


Lesser Performing
The Underlying Asset that has the lowest Percentage Change.
Underlying Asset:


Percentage Changes:
With respect to each Underlying Asset,


Final Level - Initial Level
, expressed as a percentage
Initial Level

Initial Levels:
With respect to each Underlying Asset, its Closing Level on the Pricing Date, as set forth on the cover page.


Call Levels:
With respect to each Underlying Asset, 100% of its Initial Level.


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Final Levels:
With respect to each Underlying Asset, its Closing Level on the Valuation Date.


Coupon Barrier Levels:
With respect to each Underlying Asset, 70.00% of its Initial Level, as set forth on the cover page.


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Trigger Levels:
With respect to each Underlying Asset, 50.00% of its Initial Level, as set forth on the cover page.


Pricing Date:
February 26, 2020


Settlement Date:
February 28, 2020


Valuation Date:
February 25, 2030


Maturity Date:
February 28, 2030


Calculation Agent:
BMOCM


Selling Agent:
BMOCM

Additional Terms of the Notes

You should read this pricing supplement together with the product supplement dated May 1, 2017, the prospectus supplement
dated September 23, 2018 and the prospectus dated April 27, 2017. This pricing supplement, together with the documents listed below,
contains the terms of the notes and supersedes all other prior or contemporaneous oral statements as well as any other written materials
including preliminary or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, fact
sheets, brochures or other educational materials of ours or the agent. You should carefully consider, among other things, the matters set
forth in "Additional Risk Factors Relating to the Notes" in the product supplement, as the notes involve risks not associated with
conventional debt securities. We urge you to consult your investment, legal, tax, accounting and other advisers before you invest in the
notes.

You may access these documents on the SEC website at www.sec.gov as follows (or if such address has changed, by
reviewing our filings for the relevant date on the SEC website):

·
Product supplement dated May 1, 2017:
https://www.sec.gov/Archives/edgar/data/927971/000121465917002863/p427170424b5.htm

·
Prospectus supplement dated September 23, 2018:
https://www.sec.gov/Archives/edgar/data/927971/000119312518280416/d624491d424b5.htm

·
Prospectus dated April 27, 2017:
https://www.sec.gov/Archives/edgar/data/927971/000119312517142728/d254784d424b2.htm

Please note that references in the product supplement to the prospectus supplement will be deemed to refer to the prospectus
supplement dated September 23, 2018.

Our Central Index Key, or CIK, on the SEC website is 927971. As used in this pricing supplement, "we," "us" or "our" refers
to Bank of Montreal.


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Selected Risk Considerations

An investment in the notes involves significant risks. Investing in the notes is not equivalent to investing directly in the Underlying
Assets or their components. These risks are explained in more detail in the "Additional Risk Factors Relating to the Notes" section of
the product supplement.

·
Your investment in the notes may result in a loss. -- The notes do not guarantee any return of principal. If the notes are not
automatically redeemed, the payment at maturity will be based on whether a Trigger Event has occurred with respect to any
Underlying Asset. If a Trigger Event has occurred with respect to any Underlying Asset, because the Final Level of any
Underlying Asset is less than its Initial Level, you will be subject to a one-for-one loss of the principal amount of the notes for
any Percentage Change of the Lesser Performing Underlying Asset from its Initial Level. In such a case, you will receive at
maturity a cash payment that is less than the principal amount of the notes and may be zero. Accordingly, you could lose up
to the entire principal amount of your notes.

·
You may not receive any conditional interest payments with respect to your notes. -- If the Closing Level of any
Underlying Asset is less than or equal to its respective Coupon Barrier Level as of the applicable monthly Observation Date,
you will not receive a monthly interest payment on the applicable interest payment date. You may not receive any interest
payments during the term of the notes.

·
Your notes are subject to automatic early redemption. -- We will redeem the notes if the Closing Level of each
Underlying Asset on any Call Date specified above is greater than its Call Level. Following an automatic redemption, you will
not receive any additional conditional interest payments on the notes, and you may not be able to reinvest your proceeds in an
investment with returns that are comparable to the notes.

·
Your return on the notes is limited to the conditional interest payments, regardless of any appreciation in the value of
any Underlying Asset. -- You will not receive a payment at maturity with a value greater than your principal amount plus the
final interest payment, if payable. In addition, if the notes are automatically called, you will not receive a payment greater than
the principal amount plus the applicable conditional interest payment, even if the Final Level of an Underlying Asset exceeds
its Call Level by a substantial amount. Accordingly, your maximum return for each $1,000 in principal amount of the notes is
equal to the potential monthly interest payments over the term of the notes.

·
Your investment is subject to the credit risk of Bank of Montreal. -- Our credit ratings and credit spreads may adversely
affect the market value of the notes. Investors are dependent on our ability to pay all amounts due on the notes, and therefore
investors are subject to our credit risk and to changes in the market's view of our creditworthiness. Any decline in our credit
ratings or increase in the credit spreads charged by the market for taking our credit risk is likely to adversely affect the value
of the notes.

·
Whether interest is payable on the notes, and your payment at maturity may be determined solely by reference to the
Lesser Performing Underlying Asset, even if the other Underlying Asset performs better. -- We will only make each
interest payment on the notes if the Closing Level of each of the Underlying Assets on the applicable Observation Date
exceeds the applicable Coupon Barrier Level, even if the level of the other Underlying Asset has increased significantly.
Similarly, if a Trigger Event occurs with respect to any Underlying Asset, your payment at maturity will be determined by
reference to the performance of the Lesser Performing Underlying Asset. Even if the other Underlying Asset has appreciated
in value compared to its Initial Level, or has experienced a decline that is less than that of the Lesser Performing Underlying
Asset, your return at maturity will only be determined by reference to the performance of the Lesser Performing Underlying
Asset if a Trigger Event occurs.

·
The payments on the notes will be determined by reference to each Underlying Asset individually, not to a basket, and
the payments on the notes will be based on the performance of the Lesser Performing Underlying Asset. -- Whether
each interest payment is payable, and the payment at maturity if a Trigger Event occurs, will be determined only by reference
to the performance of the Lesser Performing Underlying Asset, regardless of the performance of the other Underlying Asset.
The notes are not linked to a weighted basket, in which the risk may be mitigated and diversified among each of the basket
components. For example, in the case of notes linked to a weighted basket, the return would depend on the weighted
aggregate performance of the basket components reflected as the basket return. As a result, the depreciation of one basket
component could be mitigated by the appreciation of the other basket components, as scaled by the weighting of that basket
component. However, in the case of the notes, the individual performance of each Underlying Asset would not be combined,
and the depreciation of one Underlying Asset would not be mitigated by any appreciation of the other Underlying Asset.
Instead, your receipt of interest payments on the notes will depend on the level of each Underlying Asset on each Observation
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Date, and your return at maturity will depend solely on the Final Level of the Lesser Performing Underlying Asset if a Trigger
Event occurs.


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·
Potential conflicts. -- We and our affiliates play a variety of roles in connection with the issuance of the notes, including
acting as calculation agent. In performing these duties, the economic interests of the calculation agent and other affiliates of
ours are potentially adverse to your interests as an investor in the notes. We or one or more of our affiliates may also engage in
trading securities included in the Underlying Assets on a regular basis as part of our general broker-dealer and other
businesses, for proprietary accounts, for other accounts under management or to facilitate transactions for our customers. Any
of these activities could adversely affect the level of an Underlying Asset and, therefore, the market value of the notes. We or
one or more of our affiliates may also issue or underwrite other securities or financial or derivative instruments with returns
linked or related to changes in the performance of the Underlying Assets. By introducing competing products into the
marketplace in this manner, we or one or more of our affiliates could adversely affect the market value of the notes.

·
Our initial estimated value of the notes is lower than the price to public. -- Our initial estimated value of the notes is only
an estimate, and is based on a number of factors. The price to public of the notes exceeds our initial estimated value, because
costs associated with offering, structuring and hedging the notes are included in the price to public, but are not included in the
estimated value. These costs include the underwriting discount and selling concessions, the profits that we and our affiliates
expect to realize for assuming the risks in hedging our obligations under the notes and the estimated cost of hedging these
obligations.

·
Our initial estimated value does not represent any future value of the notes, and may also differ from the estimated
value of any other party. -- Our initial estimated value of the notes as of the date of this pricing supplement was derived
using our internal pricing models. This value is based on market conditions and other relevant factors, which include volatility
of the Underlying Assets, dividend rates and interest rates. Different pricing models and assumptions could provide values for
the notes that are greater than or less than our initial estimated value. In addition, market conditions and other relevant factors
after the Pricing Date are expected to change, possibly rapidly, and our assumptions may prove to be incorrect. After the
Pricing Date, the value of the notes could change dramatically due to changes in market conditions, our creditworthiness, and
the other factors set forth in this pricing supplement and the product supplement. These changes are likely to impact the price,
if any, at which we or BMOCM would be willing to purchase the notes from you in any secondary market transactions. Our
initial estimated value does not represent a minimum price at which we or our affiliates would be willing to buy your notes in
any secondary market at any time.

·
The terms of the notes were not determined by reference to the credit spreads for our conventional fixed-rate debt. --
To determine the terms of the notes, we used an internal funding rate that represents a discount from the credit spreads for our
conventional fixed-rate debt. As a result, the terms of the notes are less favorable to you than if we had used a higher funding
rate.

·
Certain costs are likely to adversely affect the value of the notes. -- Absent any changes in market conditions, any
secondary market prices of the notes will likely be lower than the price to public. This is because any secondary market prices
will likely take into account our then-current market credit spreads, and because any secondary market prices are likely to
exclude all or a portion of the agent's commission and the hedging profits and estimated hedging costs that are included in the
price to public of the notes and that may be reflected on your account statements. In addition, any such price is also likely to
reflect a discount to account for costs associated with establishing or unwinding any related hedge transaction, such as dealer
discounts, mark-ups and other transaction costs. As a result, the price, if any, at which BMOCM or any other party may be
willing to purchase the notes from you in secondary market transactions, if at all, will likely be lower than the price to public.
Any sale that you make prior to the maturity date could result in a substantial loss to you.

·
You will not have any shareholder rights and will have no right to receive any shares of any company included in any
Underlying Asset at maturity. -- Investing in your notes will not make you a holder of any shares of any company included
in any Underlying Asset. Neither you nor any other holder or owner of the notes will have any voting rights, any right to
receive dividends or other distributions or any other rights with respect to those securities.


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·
Changes that affect an Underlying Asset may adversely affect the market value of the notes and the amount you will
receive at maturity. -- The policies of S&P Dow Jones Indices LLC ("S&P"), the sponsor of the SPX, and STOXX Limited,
the sponsor of the SX7E (each, an "Index Sponsor"), concerning the calculation of the applicable Underlying Asset, additions,
deletions or substitutions of the components of the applicable Underlying Asset and the manner in which changes affecting
those components, such as stock dividends, reorganizations or mergers, may be reflected in the applicable Underlying Asset
and, therefore, could affect the level of the applicable Underlying Asset, the amount payable on the notes at maturity and the
market value of the notes prior to maturity. The amount payable on the notes and their market value could also be affected if
any Index Sponsor changes these policies, for example, by changing the manner in which it calculates the applicable
Underlying Asset, or if any Index Sponsor discontinues or suspends the calculation or publication of the applicable
Underlying Asset.

·
We have no affiliation with any Index Sponsor and will not be responsible for any actions taken by any Index Sponsor.
-- No Index Sponsor is an affiliate of ours or will be involved in the offering of the notes in any way. Consequently, we have
no control over the actions of any Index Sponsor, including any actions of the type that would require the calculation agent to
adjust the payments on the notes. No Index Sponsor has any obligation of any sort with respect to the notes. Thus, no Index
Sponsor has any obligation to take your interests into consideration for any reason, including in taking any actions that might
affect the value of the notes. None of our proceeds from the issuance of the notes will be delivered to any Index Sponsor.

·
Lack of liquidity. -- The notes will not be listed on any securities exchange. BMOCM may offer to purchase the notes in the
secondary market, but is not required to do so. Even if there is a secondary market, it may not provide enough liquidity to
allow you to trade or sell the notes easily. Because other dealers are not likely to make a secondary market for the notes, the
price at which you may be able to trade the notes is likely to depend on the price, if any, at which BMOCM is willing to buy
the notes.

·
Hedging and trading activities. -- We or any of our affiliates may have carried out or may carry out hedging activities
related to the notes, including purchasing or selling securities included in an Underlying Asset, or futures or options relating to
an Underlying Asset, or other derivative instruments with returns linked or related to changes in the performance of an
Underlying Asset. We or our affiliates may also engage in trading relating to an Underlying Asset from time to time. Any of
these hedging or trading activities on or prior to the pricing date and during the term of the notes could adversely affect our
payment to you at maturity.

·
Many economic and market factors will influence the value of the notes. -- In addition to the level of each Underlying
Asset and interest rates on any trading day, the value of the notes will be affected by a number of economic and market factors
that may either offset or magnify each other, and which are described in more detail in the product supplement.

·
You must rely on your own evaluation of the merits of an investment linked to the Underlying Assets. -- In the ordinary
course of their businesses, our affiliates from time to time may express views on expected movements in the levels of the
Underlying Assets or the prices of the securities included in the Underlying Assets. One or more of our affiliates have
published, and in the future may publish, research reports that express views on the Underlying Assets or these securities.
However, these views are subject to change from time to time. Moreover, other professionals who deal in the markets relating
to the Underlying Assets at any time may have significantly different views from those of our affiliates. You are encouraged to
derive information concerning the Underlying Assets from multiple sources, and you should not rely on the views expressed
by our affiliates.

Neither the offering of the notes nor any views which our affiliates from time to time may express in the ordinary course of
their businesses constitutes a recommendation as to the merits of an investment in the notes.

·
An investment in the notes is subject to risks associated with the European financial services industry. --All of the
equity securities comprising the SX7E are issued by companies in the European financial services sector. As a result, the
equity securities that will determine the return on this index are concentrated in one sector. The profitability of these
companies is largely dependent on the availability and cost of capital, and can fluctuate significantly, particularly when market
interest rates change. Credit losses resulting from financial difficulties of these companies' customers can negatively impact
the sector. In addition, adverse economic, business, or political developments affecting the European and international
markets, could have a major effect on the level of this index. As a result of these factors, the value of the notes may be subject
to greater volatility and be more adversely affected by economic, political or regulatory events relating to the financial
services sector.

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