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| 正面描述 | The obverse is printed in black on an orange-amber underprint, with a green guilloche border bearing the vertical inscription NEW ZEALAND on both lateral margins. At upper centre, the bank title THE COMMERCIAL BANK OF AUSTRALIA LIMITED appears within an ornate cartouche. A small intaglio vignette at the left centre shows a sailing ship at sea, flanked by elaborate scrollwork. The denomination panel at lower centre reads TEN SHILLINGS in bold letterpress, while a circular medallion to the right carries the inscription HALF SOVEREIGN. The promise-to-pay text, date, and place of issue Wellington are rendered in manuscript-style script at the centre, accompanied by two manuscript signatures and serial numbers printed at upper centre. |
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| 正面铭文 | THE COMMERCIAL BANK OF AUSTRALIA LIMITED NEW ZEALAND No A060491 Promise to pay the Bearer on Demand the Sum of TEN SHILLINGS here Value received Wellington 1st July 1919 HALF SOVEREIGN TEN SHILLINGS |
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The Commercial Bank of Australia Limited was one of the last private trading banks in Australia still issuing its own currency after Federation — a practice that survived well into the 1920s largely because Commonwealth legislation phased out private note issue gradually rather than abruptly. The Notes Tax Act of 1910 had already made private issue prohibitively expensive for most banks, but CBA continued under legacy arrangements until the Commonwealth Bank's monopoly was finally enforced in 1924, which makes the 1919–1923 window for this series among the final years of Australian private banknote issue.
Waterlow & Sons produced the plates in London — entirely routine for Australian colonial and post-Federation banking paper, where domestic printing infrastructure simply could not match British security printing standards of the period.