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| 表面の説明 | Horizontal note printed in black on white paper. A large intaglio vignette at the top centre presents a classical allegorical group of figures in a landscape setting, flanked by oval denomination counters bearing the numeral '20' at upper left and upper right. The upper margin carries the legend 'UNDER ACT 16 & 17 VICT. CAP. 63'. The central text panel bears the bank title 'THE COMMERCIAL BANK OF SCOTLAND' with the qualifier 'INCORPORATED BY ROYAL CHARTER', followed by the promise to pay inscription in a combination of script and letterpress. The borders are richly decorated with fine guilloche lathe-work and ornamental rosettes. The lower margin provides manuscript signature lines for Accountant and Manager, with 'By order of the Court of Directors' above, and the word 'SPECIMEN' overprinted in bold across the face. |
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| 表面の銘文 | UNDER ACT 16 & 17 VICT. CAP. 63 THE COMMERCIAL BANK OF SCOTLAND INCORPORATED BY ROYAL CHARTER Promise to pay to the Bearer on demand TWENTY POUNDS Sterling at the Office here. EDINBURGH 18 By order of the Court of Directors Accountant. Manager. SPECIMEN |
| 裏面の説明 | The reverse is entirely unprinted, presenting a plain cream-white paper surface with no design elements, vignettes, or text, consistent with Scottish provincial banknote practice of the period. |
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