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The method I use to scan this white banknote greatly enhances the watermark.
However, it also accentuates any creases and marks that might have been.
The note appears better than it looks from the scan
Date: 1922 August 18
Branch: London
Value: £10.00
No. 035/L 94027
Signed: E. M. Harvey
Obv. Nice clean front
Rev. Ex trace of fold in 4, down and across centre
Grade: EF/EF?