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| 正面描述 | Central vignette at upper centre shows a seated allegorical female figure of Commerce flanked by a standing figure and produce, with sailing ships in the harbour background, all within an ornate intaglio frame surmounted by the bank title in elaborate script. Guilloche rosettes enclosing the numeral "10" appear at upper left and lower left, with a rectangular panel at lower centre bearing the word "TEN" in bold letterpress. The note body carries manuscript-style promise-to-pay text with spaces for handwritten date and number, with fields for Accountant and Manager signatures at lower right, and the printer's imprint of Charles Skipper & East, London, at the foot. |
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| 正面铭文 | BANK OF AUCKLAND INCORPORATED BY ACT OF THE GENERAL ASSEMBLY PROMISE TO PAY THE BEARER ON DEMAND THE SUM OF TEN POUNDS STERLING AUCKLAND___DAY OF___18___ FOR THE BANK OF AUCKLAND TEN |
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The Bank of Auckland was one of several provincial New Zealand trading banks chartered in the early 1860s, operating in direct competition with the longer-established Australian banks pushing into the colony. A 10 Pound denomination at this date was a substantial instrument — roughly equivalent to several months' wages for a laborer — and would have moved primarily between merchants and professional accounts rather than through ordinary retail exchange.
The "black reverse" designation distinguishes this from later printings with a colored back, a detail that helps date surviving examples to the earlier part of the series. Charles Skipper & East produced colonial bank paper extensively during this period; their work for New Zealand issuers is well-documented across multiple institutions.
The Bank of Auckland itself failed in 1867, limiting the window of active issue to just a few years.