Client sales tool - Franklin Templeton Investments
Client sales tool - Franklin Templeton Investments 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
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Bank of Montreal <strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong><br />
bestLINK Protected Deposit Notes – Callable Class, Series 4<br />
YOUR LINK TO STRUCTURED SOLUTIONS<br />
A GIC<br />
ALTERNATIVE<br />
FOR YOU<br />
A FLEXIBLE BALANCED<br />
GROWTH SOLUTION<br />
SELLING PERIOD: November 7 to December 23, 2005
The Callable Class Notes Series 4, issued by Bank of Montreal*,<br />
offer a potential 32.75% total return if called after three years and<br />
100% principal protection at maturity. The Notes are linked to<br />
<strong>Franklin</strong> <strong>Templeton</strong> Balanced Growth Portfolio, the most popular<br />
portfolio in our Quotential ® Program, the fastest growing<br />
managed solution in Canada.<br />
Benefits for You<br />
✓<br />
✓<br />
Potential 32.75% total return if called:<br />
You will receive a 32.75% total return if<br />
Bank of Montreal* calls the Notes after three<br />
years. If the Notes are not called, you still have the<br />
full growth potential of the underlying Portfolio if<br />
held to maturity.<br />
Growth potential:<br />
Access the underlying <strong>Franklin</strong> <strong>Templeton</strong> Balanced<br />
Growth Portfolio, a solution that offers a high<br />
concentration of equity to income – adding<br />
growth potential to a stable investment.<br />
✓<br />
✓<br />
Strength of reputation:<br />
Invest in a solution from <strong>Franklin</strong> <strong>Templeton</strong><br />
<strong>Investments</strong> and Bank of Montreal* – two<br />
financial services institutions with long and<br />
distinguished reputations as market leaders<br />
in Canada.<br />
100% principal protection:<br />
Your principal investment is 100% principal<br />
protected by Bank of Montreal*, as issuer,<br />
if held to maturity at six years.<br />
3 Simple Scenarios for Your Investment<br />
The Callable Class Notes provide the opportunity for superior growth and the security of principal protection<br />
at maturity.<br />
Value per Note<br />
$150<br />
$140<br />
$130<br />
$120<br />
$110<br />
$100<br />
$90<br />
2<br />
1<br />
3<br />
0 1 2 3 4 5 6<br />
Years<br />
Consider these three scenarios for your return on the bestLINK Note:<br />
1. Receive 32.75% total return if called: Bank of Montreal* calls (redeems) the Notes at year three and you receive<br />
32.75% total return, or 10% compounded annually.<br />
2. Receive Growth: You hold the Notes for six years until its maturity, and receive your initial investment plus<br />
all of the growth in the underlying Portfolio.<br />
3. Receive Principal Protection: The value of the underlying Portfolio drops, but you still receive your initial<br />
investment back at maturity.<br />
*The Notes are issued by and constitute direct, unconditional obligations of Bank of Montreal.
The Quotential ® Advantage: True Active Management<br />
Exclusive management: Leverage more than 20 years of high net worth investment expertise from<br />
<strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong> Private <strong>Client</strong> Group.<br />
Active management: The underlying Portfolio is actively managed to capitalize on market opportunities and<br />
to achieve the goal of reducing the Portfolio’s volatility while enhancing return.<br />
A world of diversification: The underlying <strong>Franklin</strong> <strong>Templeton</strong> Balanced Growth Portfolio is diversified by<br />
asset class, geographic region, investment style and market capitalization.<br />
<strong>Franklin</strong> <strong>Templeton</strong> Balanced Growth Portfolio<br />
Portfolio holdings<br />
selected by<br />
<strong>Franklin</strong> <strong>Templeton</strong><br />
<strong>Investments</strong><br />
Private <strong>Client</strong> Group<br />
(as of Sept. 30, 2005)<br />
32.1% Bissett Bond Fund<br />
26.3% Bissett Canadian Equity Fund<br />
3.7% Bissett Small Cap Fund<br />
3.7% Bissett Income Fund<br />
3.9% Bissett All Canadian Focus Fund<br />
1.3% Bissett Dividend Income Fund<br />
8.9% Mutual Beacon Fund<br />
5.0% Mutual Discovery Fund<br />
3.2% <strong>Templeton</strong> Growth Fund<br />
3.4% <strong>Templeton</strong> Global Smaller<br />
Companies Fund<br />
3.5% <strong>Templeton</strong> Canadian Stock Fund<br />
2.1% <strong>Templeton</strong> Emerging Markets Fund<br />
1.8% <strong>Templeton</strong> Global Bond Fund<br />
0.9% <strong>Franklin</strong> U.S. Small-Mid Cap<br />
Growth Fund<br />
0.2% <strong>Franklin</strong> <strong>Templeton</strong> Canadian Small<br />
Cap Fund<br />
> Diversified by<br />
Asset Class<br />
39.0% Income and Bond<br />
37.6% Canadian Equity<br />
13.7% Global and International Equity<br />
9.7% U.S. Equity<br />
> Diversified by<br />
Region<br />
74.8% Canada<br />
15.5% Global and International<br />
9.7% U.S.<br />
> Diversified by<br />
Style<br />
71.1% GARP<br />
13.9% Value<br />
13.9% Deep Value<br />
1.1% Growth<br />
> Diversified by<br />
Market<br />
Capitalization<br />
52.8% All Cap Equity<br />
39.0% Income and Bond<br />
8.2% Small/Mid Cap Equity<br />
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,<br />
<strong>Franklin</strong> <strong>Templeton</strong> Balanced Growth Portfolio will have an optimal mix of income 35-45%, Canadian equities 30-40%, U.S. equities 9-19% and global/international<br />
equities 8-18%.<br />
COMPOUND RETURNS (as of September 30, 2005)<br />
NOTE DETAILS<br />
YTD 1 month 3 months 6 months 1 year 3 years Since Inception<br />
Series A units 9.2% 0.6% 3.5% 7.2% 15.4% 11.1% 8.6%<br />
The information above contains historical compounded total returns of <strong>Franklin</strong> <strong>Templeton</strong> Balanced Growth Portfolio and is not intended to be, nor should it be construed to be,<br />
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<br />
reinvested in additional units of the Portfolio and does not include any applicable <strong>sales</strong>, redemption, distribution, or optional charges or taxes which would have reduced returns.<br />
Returns are shown after the payment of management fees and expenses of the Portfolio.<br />
Minimum investment $2,000<br />
Payment at maturity (per Note) $100 + 100% of total return of Fund Portfolio<br />
Selling period November 7 to December 23, 2005<br />
Maturity date December 23, 2011<br />
Low fees Maximum 2.95%<br />
To get this limited offer working for you, please contact your investment advisor<br />
or visit www.franklintempleton.ca
<strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong> delivers unparalleled world-class management from one global platform,<br />
with assets under management of C$525.5 billion, as of September 30, 2005. Our global network of 53 offices<br />
located in 30 countries is where our 449 investment professionals are working around the clock<br />
to find the best investment opportunities for you.<br />
Founding Member of The Canadian Coalition for Good Governance.<br />
<strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong> Corp.<br />
1 Adelaide Street East, Suite 2101, Toronto ON M5C 3B8<br />
<strong>Client</strong> Services Toll-free: 1.800.387.0830 Fax: 416.364.1163<br />
TTY: 1.800.908.8145<br />
www.franklintempleton.ca<br />
NYSE: BEN<br />
LSE: FRK<br />
Canadian offices:<br />
V ANCOUVER • EDMONTON • CALGARY • WINNIPEG • T ORONTO • O TTAWA • MONTREAL • HALIFAX<br />
The Notes are issued by and constitute direct, unconditional obligations of Bank of Montreal. Details of certain risks of investing in the Notes,<br />
as well as complete disclosure of how variable interest (if any) on the Notes is calculated, are contained in the Information Statement dated<br />
November 7, 2005. This summary is issued by <strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong> for information purposes only to provide an overview of bestLINK<br />
Protected Deposit Notes TM and does not constitute an offer to sell or a solicitation to purchase. An investment in bestLINK Protected Deposit<br />
Notes TM is subject to certain risks, which investors should consider. Investors are encouraged to read the Information Statement carefully before<br />
investing and discuss their suitability with their investment advisor. The Notes may not be suitable for all types of investors; the prices, value<br />
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<br />
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<br />
no return will be paid on the Notes. Sales prior to maturity may be subject to an early <strong>sales</strong> charge. <strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong><br />
Private <strong>Client</strong> Group is a part of Fiduciary Trust Company of Canada, a wholly-owned subsidiary of <strong>Franklin</strong> <strong>Templeton</strong> <strong>Investments</strong> Corp.<br />
“bestLINK”, “bestLINK Protected Deposit Notes” and the bestLINK logo are trademarks of BMO Nesbitt Burns Corporation Limited, used under<br />
license. The indicated rates of return for <strong>Franklin</strong> <strong>Templeton</strong> Balanced Growth Portfolio are historical annual compounded total returns including<br />
changes in unit value and reinvestment of all distributions and do not take into account <strong>sales</strong>, redemption, distribution or optional charges or<br />
income taxes payable by any securityholder that would have reduced returns. Commissions, trailing commissions, management fees and<br />
expenses all may be associated with mutual fund investments. Unit values change frequently and past performance may not be repeated.<br />
200511091435<br />
BLINK STC6E 11/05