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Thank you ever so much for your quick and detailed reply. I really appreciate it, and I will certainly follow your suggestions as to how to proceed and valuable advise on what NOT to do. I have...

Thank you so much for your reply and interest. There is one questionable barely visible fold . (I don't know how else to describe it!). Otherwise pristine and perfectly centered. The date is below...

Trying to determine value of $1 US silver certificate FR 229 (Vernon/McClung),which I would grade U to AU. "series of 1899" is horizontal.