Frequently asked questions

Q Why are the banknotes changing? A The new family showcase the best of Scotland - its people and its heritage. The new notes each have distinctive design elements and strong colours giving each note its own individual character while the strong portraits and sweeping views of the Scottish World Heritage Sites gives a rich imagery and personality to each note. Clydesdale Bank is committed to protecting the public from fraud by using the latest security features. The range of new security features introduced include Depth imageTM holograms. Q Will I still be able to use the old Clydesdale Bank notes? A Yes. The old style banknotes will continue to be used along with the new banknotes. They will be removed from circulation as they become unfit for reissue in the normal manner. Q How can I tell a note is genuine? A There are a number of security features described in this leaflet. You should check a few of these to determine if the note is genuine - its important not to rely on just one. If you have doubts, compare both sides of the banknote to one that you know is genuine. If still in doubt contact your local branch. Alternatively information is available on the Committee of Scottish Clearing Banks website at www.scotbanks.org.uk Q What should I do if I think the note is counterfeit? A It is a criminal offence to hold or pass a banknote which you know to be a counterfeit. If you have a banknote that you believe to be counterfeit, and you are sure who gave you the banknote, you should take it to the police immediately for investigation purposes. You will be given a receipt for the item which will be retained for investigation. If you have no knowledge of who gave you the banknote you are required to take it to Clydesdale Bank. You will be given a receipt for the item which will be retained by the branch. You will only be reimbursed for the suspect banknote if it is found to be genuine.

Know your new family of banknotes

Design and security features

For further information contact:

Tel: 0141 950 4775/6 Email: [email protected] Website: cbonline.co.uk

This publication is also available in large print, braille and audio. Speak to a member of staff for details.

Clydesdale Bank banknotes

Clydesdale Bank has produced banknotes since it first started business, on 7 May 1838. The Banks notes had portrayed various Scottish landscapes and buildings but, in 1971, it broke with tradition and introduced portraits of notable Scots to its notes. These were: 1 5 10 20 Robert the Bruce Robert Burns David Livingstone Lord Kelvin 20 It was only in 1981 that the Bank launched a 50 note - with Adam Smith on it. 50 10 In 1989 a number of changes were made. Production of the 1 note was ended while the other banknotes were resized. The Bank used this opportunity to refresh the designs. The notes featured: 5 Robert Burns on the front and a vignette of a field mouse from Burns' poem To a Mouse on the reverse;

A new family of banknotes

Why a new family of banknotes?
Clydesdale Bank has produced a new family of banknotes in celebration of the best of Scotlands heritage, people and culture. Introduced to coincide with the

What do the new designs feature?

5 Featuring Sir Alexander Fleming, who discovered penicillin, on the front and St Kilda on the reverse 10 Featuring Robert Burns on the front and The Old & New Towns of Edinburgh on the reverse 20 Featuring Robert the Bruce on the front and New Lanark on the reverse 50 Featuring Elsie Inglis, a suffragette

What are the new security features?

Clydesdale Bank has also introduced a range of new security features to the banknotes, including innovative Depth imageTM holograms. The new banknotes each have distinctive design elements and strong colours. The strong portrait subjects, large denomination numerals and the use of colour give each note its own individual character while the sweeping views of the Scottish World Heritage Sites gives rich imagery and personality to the reverse of the notes. See next page for new features.

This initially featured David Livingstone but was replaced, in 1997, by Mary Slessor on the front and a vignette of a map of Calabar and African missionary scenes on the back. Robert the Bruce on the front and a vignette of the Bruce on horseback with the Monymusk Reliquary against a background of Stirling Castle; Adam Smith on the front and a vignette of industry tools against a background of sailing ships on the back; and,

Homecoming celebrations in 2009, the front of each new note honours a prominent and innovative Scot, while the reverse of each note features one of Scotlands five World Heritage Sites. A new Depth imageTM hologram security feature has been used on the banknote family.

100 Lord Kelvin

and surgeon, on the front and the Antonine Wall on the reverse 100 Featuring Charles Rennie

100 Lord Kelvin on the front and a vignette of the University of Glasgow on the back.

Mackintosh, architect and designer, on the front and the Heart of Neolithic Orkney on the reverse.

Main security features

Depth imageTM hologram
Look at the hologram and you will see that behind a prominent front image there is a second image that moves left and right behind the front image. In genuine banknotes the second image will clearly move behind the front image. 10 - Front image is Robert Burns, reverse image is quill pens 20 - Front image is Robert the Bruce, reverse image is swords 50 - Front image is Elsie Inglis, reverse image is thistles 100 - Front image is Charles Rennie Mackintosh, reverse image is a typical Mackintosh design.

Security thread
Each banknote has a metal strip that is clearly visible on the banknote. If the banknote is held up and looked at with a light source behind it, it is immediately obvious that the metal strip is continuous in the paper. If you look carefully you can also see that it carries tartan patterns and, on the 20 and upwards, denomination numerals.

Features for people with visual impairments

As Clydesdale Bank is committed to providing excellent service to all its customers, the new banknotes have been designed to ensure that everyone can use our notes with confidence. As a result, we have incorporated specific design features in our new banknotes to aid people with visual impairments. These include:

Numerals
Large and bold denomination numerals.

Raised bars
Raised bars on the left-hand side of every note (except the 5 note), which are set slightly deeper than the rest of the raised print, making it more distinguishable. The 10 note has one bar, the 20 note has two bars, the 50 note has five

Ultra violet
The banknotes have a number of images that are only visible when looked at with an ultra violet light. The multi coloured ultra violet images must be precisely printed to be genuine.

Watermark
Every banknote in the family has a watermark that consists of two elements. The first is the same image as the main portrait on the banknote. This should have fine detail and should enjoy a range of shades of grey from dark to light. The second, complementing the main watermark, is a white watermark showing a key element of the design. The whiteness of this watermark should contrast strongly with the complex shaded main watermark.

Colours
Vibrant colours which distinguish the notes.

bars, and the 100 note has ten.

Other security features

Paper feel: The paper should feel crisp, not limp, waxy or shiny. Numbering: Each note has a unique number which is printed twice. Once on the bottom left (horizontally) and once on the upper right (vertically) on the front of the note. Always compare both sides of a suspect note with another note you know to be genuine. Security features should always be considered as a group - not in isolation.

5 Banknote
Sir Alexander Fleming
(6 August 1881- 11 March 1955)
Fleming, the son of an Ayrshire farmer, was the Scottish biologist and pharmacologist whose unexpected discovery and isolation of penicillin in September 1928 marked the start of modern antibiotics and the transformation of modern medicine. While studying influenza, Fleming noticed that mould had developed accidentally on a set of culture dishes being used to grow the staphylococci germ. Two other scientists built on this work and developed penicillin further so that it could be produced as a drug. Fleming was knighted in 1944, while the work of all three was recognised by the award of the Nobel Prize in Medicine in 1945. It is estimated that, to date, penicillin has since saved the lives of some 200 million people.

5 banknote front
1

St Kilda
(Awarded 1986 and 2005)
St Kilda is one of only 24 global locations to be awarded 'mixed' World Heritage status for its natural and cultural significance. It is situated off the coast of the Outer Hebrides and comprises the islands of Hirta, Dun, Soay and Boreray. The archipelago, which was evacuated in 1930, bears the evidence of more than 2,000 years of human occupation in the extreme conditions prevalent in the Hebrides. Its islands with their exceptional cliffs and sea stacs form the most important seabird breeding station in north-west Europe.

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Portrait of Sir Alexander Fleming together with his name, and dates of birth and death Depiction of a microscope Representation of the Staphylococci germ

5 banknote reverse
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St Kilda Wren Boray Cliffs Black legged Kittiwake

10 Banknote
Robert Burns
(25 January 1759 21 July 1796)
Robert Burns is the best-known of the poets who wrote in Scots. Born in Alloway, South Ayrshire and the eldest of seven children, Burns is regarded as a pioneer of the Romantic movement and became a great source of inspiration to the founders of both liberalism and socialism. Also known in Scotland as The Bard, Burns is widely regarded as the national poet of Scotland and his work is celebrated worldwide. Burns birthplace is now a public museum as is his house in Dumfries. Every year his life and work is celebrated around the world on the 25 January.

10 banknote front
1

Old and New Towns of Edinburgh

(Awarded 1995)
Edinburgh has been the Scottish capital since the 15th century. It has two distinct areas: the Old Town, dominated by a medieval fortress; and the neoclassical New Town, whose development from the 18th century onwards had a far-reaching influence on European urban planning. The blend between the organic medieval Old Town and the planned Georgian New Town, is what gives the city its unique character.

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Portrait of Robert Burns together with his name, and dates of birth and death Depiction of Tam OShanter and his mare, with witch in pursuit Lines taken from poem Tam OShanter Depiction of Robert Burns Cottage Depth ImageTM Hologram of Robert Burns

10 banknote reverse
1

A view of the Old & New Towns of Edinburgh from Calton Hill An aerial view of Edinburgh New Town A view of Edinburgh Old Town

2 2 1 3

20 Banknote
Robert the Bruce
(11 July 1274 7 June 1329)
Robert the Bruce was King of the Scots (1274-1329) and led Scotland in the Wars of Scottish Independence, which culminated in The Treaty of Edinburgh, 1328. This recognised Scotland as an independent kingdom, and Bruce as its king. According to legend, while he was on the run during the winter of 1305-06, Bruce hid himself in a cave on Rathlin Island off the north coast of Ireland, where he observed a spider spinning a web. Each time the spider failed, it started over again until it succeeded. Inspired by this, Bruce returned to inflict a series of defeats on the occupying English force, thus winning him more supporters and eventual victory.

20 banknote front
1

New Lanark
(Awarded 2001)
The small 18th century village, set in Clyde Valley, New Lanark is where the philanthropist and Utopian idealist Robert Owen built a model industrial community in the early 19th century. The imposing cotton mill buildings, the spacious and well-designed workers' housing, and the dignified educational institute, school and public buildings were designed to improve their spiritual as well as physical needs and testify to Robert Owen's humanism. Owens social philosophy in matters such as progressive education, factory reform, humane working practices, international cooperation, and garden cities, have had a profound influence on social developments throughout the 19th century and beyond.

1 3 2

Portrait of Robert the Bruce together with his name, and dates of birth and death Depiction of Robert the Bruce on horseback Depiction of a spider and its web Depth ImageTM Hologram of Robert the Bruce

20 banknote reverse
1

Vignette depicting aerial view of New Lanark 19th Century drawing of New Lanark Image of new Lanark Cotton Mill

2 1 3

50 Banknote
Elsie Maud Inglis
(16 August 1864 26 November 1917)
Having trained as a doctor in Edinburgh and Glasgow, Inglis became concerned at the level of care for women following her work in maternity hospitals. In 1894, with Jessie MacGregor, Inglis opened a maternity hospital in Edinburgh for poor women, staffed entirely by women. She was to later play an important role in founding the Scottish Federation of Women's Suffrage Societies. During the First World War Inglis set up the Scottish Women's Hospitals which eventually sent over 1000 women doctors, nurses, orderlies and drivers to war zones across Europe. In April 1915 Inglis took a women's medical unit to Serbia. During an Austrian offensive in the summer of 1915, Inglis was captured but eventually, with the help of the American diplomats, British authorities were able to negotiate the release of Inglis and her medical staff.

50 banknote front
1

Frontiers of the Roman Empire The Antonine Wall

(Awarded 2008)
The Antonine Wall was constructed in 142 AD on the orders of the Emperor Antonius Pius as a defence against the 'barbarians' of the North and constitutes the north western-most portion of the Roman Frontier. Running for 60km, the Wall stretched across the narrow waist of Scotland from Bo'ness on the River Forth to Old Kilpatrick on the River Clyde, consisting of a turf rampart fronted by a great ditch, with a strategic system of forts and camps. The wall was abandoned after only twenty years, when the Roman legions withdrew to Hadrian's Wall in 162 AD. The Wall is part of the 'Frontiers of the Roman Empire World Heritage Site', which includes Hadrian's Wall and the Upper Raetian German Limes.
2

1 3 2

Portrait of Elise Inglis together with her name, and dates of birth and death Depictions of the front of the High Street, Edinburgh Hospice A flag pin reading Votes for Women and a collection box reading Help the Scottish Womens Hospitals Depth ImageTM Hologram of Elsie Inglis

4 4

50 banknote reverse
1

Aerial view of Antonine Wall at Kinneil Fortlet Defensive pit holes (Lillia) at Kinneil Fortlet Vignette depicting aerial view of the Antonine Timber Posts

2 1 3

100 Banknote
Charles Rennie Mackintosh
(7 June 1868 10 December 1928)
One of eleven children, Mackintosh was born in Glasgow and is celebrated around the world as one of the most creative figures of the 20th century. A trained architect, to assist his professional development in 1884 Mackintosh commenced evening art classes at The Glasgow School of Art. It was here that he met his future wife, Margaret MacDonald. Along with her sister Frances MacDonald and Herbert MacNair, the artists were known as "The Four" and were amongst a wider group of artists and designers who collectively created "The Glasgow Style". Although involved in an array of projects, the building that helped make his reputation international was The Glasgow School of Art. In his later life Mackintosh focussed on watercolour painting, particularly the relationship between man-made and naturally occurring landscapes. He moved to London in 1927 where he died the following year, of throat cancer.

100 banknote front

1

Heart of Neolithic Orkney

(Awarded 1999)
The group of Neolithic monuments on Orkney consists of a large chambered tomb (Maes Howe), two ceremonial stone circles (the Stones of Stenness and the Ring of Brodgar) and a settlement (Skara Brae), together with a number of unexcavated burial, ceremonial and settlement sites. The group constitutes a major prehistoric cultural landscape which gives a graphic depiction of life in this remote archipelago in the far north of Scotland some 5,000 years ago. They are an outstanding testimony to the cultural achievements of the Neolithic peoples of northern Europe.
4

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Portrait of Charles Rennie Mackintosh together with his name, and dates of birth and death A black perforated address plate reading 'The Glasgow School of Art 167' A Rennie Mackintosh original door-light design The front of The Glasgow School of Art Depth ImageTM Hologram of Charles Rennie Mackintosh

4 5

100 banknote reverse

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View of the Rings of Brodgar Aerial view of the Neolithic settlement, Skara Brae Aerial view of the Rings of Brodgar

3 2 1