Form 6-K Filing Summary

This Form 6-K filing by Bank of Montreal details the issuance of US$1,000,000,000 in Floating Rate Notes due 2028. The filing includes legal opinions from Sullivan & Cromwell LLP (U.S. counsel) and Osler, Hoskin & Harcourt LLP (Canadian counsel) regarding the validity and enforceability of these notes and the associated indenture. Sullivan & Cromwell LLP opines on the notes as valid and binding obligations under U.S. federal and New York state law, subject to general creditors' rights and equity principles. Osler, Hoskin & Harcourt LLP provides opinions on the Bank's existence, corporate power, and the validity of the notes and indenture under Ontario and Canadian federal laws, subject to specific qualifications related to Canadian financial and legal frameworks. Both firms consent to the inclusion of their opinions in the filing.