20 Shillings / 1 Pound East Lothian Bank

The East Lothian Banking Company was one of Scotland's smaller provincial banks, established in Haddington in 1810. It failed in 1822 — the very outer edge of this note's date range — and was absorbed by the British Linen Company, making notes from the final months of operation particularly scarce. Scotland's free banking era produced dozens of such institutions, most short-lived, and their surviving paper is correspondingly rare.

Any example from this issuer is a collector's oddity more than a monetary artifact. The bank barely lasted a dozen years.