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| 正面描述 | Intaglio-engraved note with three distinct vignette zones: the upper central oval frames a classical allegorical female figure seated among bales and barrels with a tall-masted sailing vessel in the background, enclosed within an ornate wreath border, flanked by denomination panels reading "FIVE SHILLINGS" at upper left and right with elaborate guilloche work extending vertically along the right margin. A standing female figure occupies the left-margin vignette, while a lower central vignette presents an agricultural or industrial scene with working figures. The cursive promise text of the Charlotte County Bank of New Brunswick runs across the central field, with spaces for manuscript date, number, cashier, and president signatures. |
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| 正面铭文 | FIVE SHILLINGS The President, Directors and Company of the Charlotte County BANK New Brunswick PROMISE to pay out of the Joint Fund of the said Corporation or Bearer on demand FIVE SHILLINGS ST. ANDREWS NEW BRUNSWICK Cash. Pres't. No. 18 |
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Charlotte County was a small regional institution operating out of St. Andrews, a loyalist town on Passamaquoddy Bay that had closer commercial ties to Maine than to the rest of New Brunswick. The bank's notes circulated freely across the border, and American-printed currency from Philadelphia houses like Toppan, Carpenter was the practical choice for issuers who expected their paper to pass without suspicion on both sides.
Toppan, Carpenter held the security printing contracts for several Maritime and New England banks simultaneously, which means the plate work here shares visual grammar with American state bank issues of the same period — deliberate, since cross-border acceptability depended partly on familiarity.
Charlotte County Bank's charter was not renewed after the 1860s consolidation of New Brunswick banking, leaving this among the shorter-lived colonial issues in the province.