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| 正面铭文 | THE BANK OF MONTREAL WILL PAY TO BEARER ON DEMAND PAID UP CAPITAL $16,000,000 TWENTY DOLLARS MONTREAL NOV. 3RD 1914 COUNTERSIGNED PRESIDENT American Bank Note Co. Ottawa |
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| 签名 | Sir Frederick Williams-Taylor and Vincent Meredith |
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The Bank of Montreal was Canada's de facto central bank for much of the nineteenth and early twentieth centuries — it managed government accounts and acted as fiscal agent for the Dominion long before the Bank of Canada existed. By 1914, private chartered bank currency was still entirely legal and widely used alongside Dominion government notes, a situation that would persist until the Bank of Canada Act of 1934 finally ended chartered bank issuance.
The American Bank Note Company operated a Ottawa facility that handled a significant portion of Canadian chartered bank printing in this period. This particular series is known to have suffered from ink oxidation along fold lines on circulated examples — a recurring issue with ABNC's intaglio work on Canadian contracts from this decade.