Crowned bust of Queen Victoria at upper left, Britania seated with shield, spear, lion and sailling ship at upper centre, arms at lower right
Reverse description
Signature(s)
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Protection description
Obverse lettering
UNION BANK OF AUSTRALIA LIMITED
NAPIER HAWKES` BAY NEW ZEALAND NAPIER HAWKES` BAY NEW ZEALAND
WE PROMISE TO PAY THE BEARER HERE IN DEMAND
TWENTY POUNDS STG. NAPIER
FOR THE DIRECTORS & COMPANY
