10 Dollars

The Union Bank of Newfoundland was chartered in 1854 and operated as one of the colony's two principal chartered banks for decades — the other being the Commercial Bank, which collapsed in the catastrophic bank failures of 1894. The Union Bank survived that crisis but was absorbed by the Bank of Montreal in 1909, making notes from the pre-crisis period the last issued under genuinely independent Newfoundland banking authority.

ABNC's work for colonial and dominion issuers was meticulous, and their St. John's clients received the same quality steel engraving supplied to major American institutions. This 1889 date puts the note five years ahead of the panic.