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| 正面描述 | Black on green underprint. The bank title "LLOYDS BANK LIMITED" is inscribed in large bold letters across the upper portion, below which a central vignette presents an elaborate scrollwork cartouche with a rearing horse at its centre. The promise-to-pay text is rendered in copperplate script, with the denomination "ONE POUND" in a dark panel. A secondary vignette at lower centre shows a Viking longship, and signature lines for Accountant and Manager appear above a lower guilloche border bearing the value repeated. |
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| 背面描述 | Printed in blue. A large central vignette contains the Lloyds Bank black horse emblem set within an ornate circular frame bearing the bank's motto, surrounded by radiating sunburst lines and scrolled foliate borders. The denomination "ONE" appears in large numerals to either side of the central design. |
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Lloyds Bank was among the English joint-stock banks still exercising note-issuing rights in the early twentieth century — a privilege that was already dying. The 1919 Act tightened the rules further, and the Currency and Bank Notes Act of 1928 finally extinguished private English note issue altogether, which is why this series had such a short window. Notes issued between those years were effectively the last gasp of a practice that had defined English provincial banking for over a century.
W. M. Sprague & Co. handled engraving and printing for several English private issuers during this period. Their London output for Lloyds is generally well-executed, though the series is modestly scarce in any circulated grade — most survivors appear to have been conserved rather than spent.