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| 正面描述 | Black intaglio print on white paper with a central guilloche underprint. Two portrait vignettes face each other across the centre of the note, with the left vignette showing a clean-shaven gentleman and the right a bearded gentleman; both rendered in fine engraved style. The bank title 'Bank of Montreal' arches across the upper centre in bold script, with 'TEN DOLLARS' in a decorative panel at centre, the denomination numeral '10' at each upper corner, and the date 'January 1904' inscribed below the central panel alongside the city of issue 'Montreal'. |
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| 背面铭文 | BANK OF MONTREAL TORONTO BRANCH TEN DOLLARS 10 AMERICAN BANK NOTE COMPANY OTTAWA |
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The Bank of Montreal was Canada's oldest chartered bank and, by 1904, had been issuing its own notes for nearly ninety years — a practice that would continue until the Bank of Canada assumed monopoly control over note issue in 1935. This series was printed by the American Bank Note Company at its Ottawa facility, one of several Canadian operations ABNC maintained to serve domestic chartered banks, keeping production on Canadian soil during a period when that detail mattered politically.
Chartered bank notes of this period circulated alongside Dominion of Canada government issues, and the two were not always interchangeable in practice — some rural areas trusted one and not the other.