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| 正面描述 | Central vignette of a steam locomotive advancing head-on within an arched guilloche frame, flanked by two smaller locomotive vignettes at left and right. Denomination numerals "20" appear in all four corners with intricate lathe-work underprint. Imprint of American Bank Note Co., N.Y. at lower centre. |
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| 正面铭文 | UNION BANK OF NEWFOUNDLAND Saint Johns, May 1st 1889 TWENTY DOLLARS We promise to pay the bearer on demand CURRENCY IN SPECIE American Bank Note Co. N.Y. |
| 背面描述 | Deep blue intaglio print with a central circular vignette of a steam locomotive in a rail yard, surrounded by elaborate guilloche rosette panels. Denomination numeral "20" appears at left and right within ornate lathe-work borders. Inscription "UNION BANK OF NEWFOUNDLAND" arcs around the central vignette. |
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