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| 正面描述 | At left, an oval vignette depicts a seated allegorical female figure with a globe and caduceus, set within an ornate engraved border with guilloche work. The central text area carries a manuscript-style promise-to-pay inscription stating the sum of Ten Shillings, payable at Wellington, on an ochre-tinted underprint. The bank title 'THE COMMERCIAL BANK OF AUSTRALIA LIMITED' appears in a curved cartouche at top, with 'HALF SOVEREIGN' in an oval cartouche at right and 'TEN SHILLINGS' in bold letterpress along the lower panel, flanked by 'NEW ZEALAND' printed vertically on both side margins. |
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| 正面铭文 | THE COMMERCIAL BANK OF AUSTRALIA LIMITED PROMISE TO PAY THE BEARER ON DEMAND THE SUM OF TEN SHILLINGS HERE VALUE RECEIVED WELLINGTON HALF SOVEREIGN NEW ZEALAND NEW ZEALAND TEN SHILLINGS |
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The Commercial Bank of Australia's wartime shilling notes were issued under the Commonwealth's 1910 Australian Notes Act framework, which had already moved to nationalise the currency — yet private banks retained limited note-issuing rights in practice through the war years, creating an awkward dual circulation that legislators never fully resolved. Sands and McDougall, primarily known as Melbourne stationers and calendar printers, produced several Australian private bank issues of this period and brought a distinctly commercial-house quality to the work rather than the security printing pedigree of dedicated banknote firms.
The series was short-lived. By 1920, private bank note issuance in Australia was effectively dead.