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| 背面描述 | The reverse is printed entirely in blue, centred on a large oval guilloche frame enclosing the supported Royal Arms with motto scroll, flanked by guilloche ornaments and the numeral 20 within circular panels at left and right. COLONIAL BANK arches across the top in bold serif lettering, with INCORPORATED BY ROYAL CHARTER 1836 inscribed below the central vignette, and the printer's imprint at the foot. |
| 背面铭文 | COLONIAL BANK INCORPORATED BY ROYAL CHARTER 1836 |
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The Colonial Bank was a British-chartered institution operating across the Caribbean and British Guiana, and by 1917 it had been absorbed into Barclays Bank (Dominion, Colonial and Overseas) — though legacy instruments continued circulating under the old name during the transition period. Perkins, Bacon & Co. had a long relationship with colonial currency issuers, their intaglio work being a deliberate anti-counterfeiting measure in territories where enforcement was thin.
The S-prefix in the Pick reference indicates private or commercial bank issue rather than a central authority — a distinction that matters for dating and legal tender status in the issuing territory.