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| 正面描述 | Engraved note with a central vignette of Edinburgh Castle set on rocky ground, flanked by oval panels inscribed "£1.1" and "ONE" to the left, and the serial number and "GUINEA" to the right. The issuer's name "Commercial Bank of Scotland" arches across the top in copperplate script, with the full promise-to-pay text in cursive letterpress reading "The Commercial Banking Company of Scotland promise to pay to [payee] or Bearer One Pound One Shilling Sterling on Demand at their Office here," dated Edinburgh. A circular committee seal and two manuscript signatures of the Cashier and a Director appear in the lower portion, with the note number repeated at the lower left. |
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| 背面描述 | The reverse of this early Scottish private banknote is unprinted, left plain as was typical for hand-signed provincial issues of this period, with no vignette, text, or security underprint. |
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The guinea denomination — 21 shillings — was a peculiarity of Scottish private banking in the early nineteenth century, used to sidestep the legal restrictions that governed pound-denominated notes under English law. Scottish banks exploited the fact that the 1765 Act forbidding notes under 20 shillings did not technically cover a 21-shilling instrument, giving them flexibility in small-denomination circulation that English country banks lacked.
The Commercial Bank of Scotland was founded in 1810, so the earliest issues in this series date from the bank's first year of operation. Notes from the opening years of a newly chartered institution — before redundant stock was accumulated — tend to survive in far smaller numbers than mid-series issues.