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| 正面描述 | The obverse is printed in red-brown tones on cream paper with a decorative border of repeated guilloche elements. The central area carries the large bold underprint word TEN in blue, overlaid with a promise-to-pay text clause and the issuing institution's name THE CHARTERED BANK OF INDIA, AUSTRALIA & CHINA in a prominent serif letterpress band. The Royal Charter arms vignette with lion and unicorn supporters appears at the top centre, flanked by $10 denomination panels and Chinese characters, with HONG KONG and a manuscript date of 15th January 1906 inscribed above the promise text. |
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| 正面铭文 | THE CHARTERED BANK OF INDIA, AUSTRALIA & CHINA INCORPORATED BY ROYAL CHARTER HONG KONG TEN $10 BY ORDER OF THE COURT OF DIRECTORS 拾 印度支那金山中國匯理銀行 |
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The Chartered Bank of India, Australia & China occupied an unusual structural position in imperial finance — it was one of a handful of exchange banks authorized to issue notes across multiple British territories simultaneously, with the same note legally tender in branches from Shanghai to Singapore to Bombay. The $10 denomination in this series circulated primarily in the Straits Settlements and Hong Kong branches, where dollar-denominated trade financing dominated.
Notes from this window are scarce. The bank routinely destroyed returned notes rather than reissuing them, a deliberate policy to maintain quality in circulation — meaning survivors skew toward either uncirculated remainders or notes that left the banking system entirely before redemption.