Client sales tool - Franklin Templeton Investments

Bank of Montreal Franklin Templeton Investments
bestLINK Protected Deposit Notes – Callable Class, Series 4
YOUR LINK TO STRUCTURED SOLUTIONS
A GIC
ALTERNATIVE
FOR YOU
A FLEXIBLE BALANCED
GROWTH SOLUTION
SELLING PERIOD: November 7 to December 23, 2005

The Callable Class Notes Series 4, issued by Bank of Montreal*,
offer a potential 32.75% total return if called after three years and
100% principal protection at maturity. The Notes are linked to
Franklin Templeton Balanced Growth Portfolio, the most popular
portfolio in our Quotential ® Program, the fastest growing
managed solution in Canada.
Benefits for You
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✓
Potential 32.75% total return if called:
You will receive a 32.75% total return if
Bank of Montreal* calls the Notes after three
years. If the Notes are not called, you still have the
full growth potential of the underlying Portfolio if
held to maturity.
Growth potential:
Access the underlying Franklin Templeton Balanced
Growth Portfolio, a solution that offers a high
concentration of equity to income – adding
growth potential to a stable investment.
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✓
Strength of reputation:
Invest in a solution from Franklin Templeton
Investments and Bank of Montreal* – two
financial services institutions with long and
distinguished reputations as market leaders
in Canada.
100% principal protection:
Your principal investment is 100% principal
protected by Bank of Montreal*, as issuer,
if held to maturity at six years.
3 Simple Scenarios for Your Investment
The Callable Class Notes provide the opportunity for superior growth and the security of principal protection
at maturity.
Value per Note
$150
$140
$130
$120
$110
$100
$90
2
1
3
0 1 2 3 4 5 6
Years
Consider these three scenarios for your return on the bestLINK Note:
1. Receive 32.75% total return if called: Bank of Montreal* calls (redeems) the Notes at year three and you receive
32.75% total return, or 10% compounded annually.
2. Receive Growth: You hold the Notes for six years until its maturity, and receive your initial investment plus
all of the growth in the underlying Portfolio.
3. Receive Principal Protection: The value of the underlying Portfolio drops, but you still receive your initial
investment back at maturity.
*The Notes are issued by and constitute direct, unconditional obligations of Bank of Montreal.

The Quotential ® Advantage: True Active Management
Exclusive management: Leverage more than 20 years of high net worth investment expertise from
Franklin Templeton Investments Private Client Group.
Active management: The underlying Portfolio is actively managed to capitalize on market opportunities and
to achieve the goal of reducing the Portfolio’s volatility while enhancing return.
A world of diversification: The underlying Franklin Templeton Balanced Growth Portfolio is diversified by
asset class, geographic region, investment style and market capitalization.
Franklin Templeton Balanced Growth Portfolio
Portfolio holdings
selected by
Franklin Templeton
Investments
Private Client Group
(as of Sept. 30, 2005)
32.1% Bissett Bond Fund
26.3% Bissett Canadian Equity Fund
3.7% Bissett Small Cap Fund
3.7% Bissett Income Fund
3.9% Bissett All Canadian Focus Fund
1.3% Bissett Dividend Income Fund
8.9% Mutual Beacon Fund
5.0% Mutual Discovery Fund
3.2% Templeton Growth Fund
3.4% Templeton Global Smaller
Companies Fund
3.5% Templeton Canadian Stock Fund
2.1% Templeton Emerging Markets Fund
1.8% Templeton Global Bond Fund
0.9% Franklin U.S. Small-Mid Cap
Growth Fund
0.2% Franklin Templeton Canadian Small
Cap Fund
> Diversified by
Asset Class
39.0% Income and Bond
37.6% Canadian Equity
13.7% Global and International Equity
9.7% U.S. Equity
> Diversified by
Region
74.8% Canada
15.5% Global and International
9.7% U.S.
> Diversified by
Style
71.1% GARP
13.9% Value
13.9% Deep Value
1.1% Growth
> Diversified by
Market
Capitalization
52.8% All Cap Equity
39.0% Income and Bond
8.2% Small/Mid Cap Equity
The portfolio advisor may, in its sole discretion, review and adjust the optimal asset mix at any time and without notice. Under normal market conditions,
Franklin Templeton Balanced Growth Portfolio will have an optimal mix of income 35-45%, Canadian equities 30-40%, U.S. equities 9-19% and global/international
equities 8-18%.
COMPOUND RETURNS (as of September 30, 2005)
NOTE DETAILS
YTD 1 month 3 months 6 months 1 year 3 years Since Inception
Series A units 9.2% 0.6% 3.5% 7.2% 15.4% 11.1% 8.6%
The information above contains historical compounded total returns of Franklin Templeton Balanced Growth Portfolio and is not intended to be, nor should it be construed to be,
an indicator as to the future returns or volatility of the Portfolio or the potential return, if any, on the Deposit Notes. The information above assumes that all distributions were
reinvested in additional units of the Portfolio and does not include any applicable sales, redemption, distribution, or optional charges or taxes which would have reduced returns.
Returns are shown after the payment of management fees and expenses of the Portfolio.
Minimum investment $2,000
Payment at maturity (per Note) $100 + 100% of total return of Fund Portfolio
Selling period November 7 to December 23, 2005
Maturity date December 23, 2011
Low fees Maximum 2.95%
To get this limited offer working for you, please contact your investment advisor
or visit www.franklintempleton.ca

Franklin Templeton Investments delivers unparalleled world-class management from one global platform,
with assets under management of C$525.5 billion, as of September 30, 2005. Our global network of 53 offices
located in 30 countries is where our 449 investment professionals are working around the clock
to find the best investment opportunities for you.
Founding Member of The Canadian Coalition for Good Governance.
Franklin Templeton Investments Corp.
1 Adelaide Street East, Suite 2101, Toronto ON M5C 3B8
Client Services Toll-free: 1.800.387.0830 Fax: 416.364.1163
TTY: 1.800.908.8145
www.franklintempleton.ca
NYSE: BEN
LSE: FRK
Canadian offices:
V ANCOUVER • EDMONTON • CALGARY • WINNIPEG • T ORONTO • O TTAWA • MONTREAL • HALIFAX
The Notes are issued by and constitute direct, unconditional obligations of Bank of Montreal. Details of certain risks of investing in the Notes,
as well as complete disclosure of how variable interest (if any) on the Notes is calculated, are contained in the Information Statement dated
November 7, 2005. This summary is issued by Franklin Templeton Investments for information purposes only to provide an overview of bestLINK
Protected Deposit Notes TM and does not constitute an offer to sell or a solicitation to purchase. An investment in bestLINK Protected Deposit
Notes TM is subject to certain risks, which investors should consider. Investors are encouraged to read the Information Statement carefully before
investing and discuss their suitability with their investment advisor. The Notes may not be suitable for all types of investors; the prices, value
and/or income the Notes produce may fluctuate and/or be adversely affected by a number of factors. The fluctuation of the value of the Portfolio
will directly impact the amount of interest paid in any year prior to maturity and the return, if any, on the Notes at maturity. It is possible that
no return will be paid on the Notes. Sales prior to maturity may be subject to an early sales charge. Franklin Templeton Investments
Private Client Group is a part of Fiduciary Trust Company of Canada, a wholly-owned subsidiary of Franklin Templeton Investments Corp.
“bestLINK”, “bestLINK Protected Deposit Notes” and the bestLINK logo are trademarks of BMO Nesbitt Burns Corporation Limited, used under
license. The indicated rates of return for Franklin Templeton Balanced Growth Portfolio are historical annual compounded total returns including
changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or
income taxes payable by any securityholder that would have reduced returns. Commissions, trailing commissions, management fees and
expenses all may be associated with mutual fund investments. Unit values change frequently and past performance may not be repeated.
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