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Today, I am going to share with you a very special bank note. This bank note is truly one of a kind. It is the 12th series Malaysia 20 Ringgit specimen bank note. This banknote is signed by Bank Negara Governor, Zeti and issued in year 2012. I bought this bank note from a collector in ungraded raw form for a pretty expensive price. There are a couple of reasons why I am attracted to this bank note. This bank note is very different from other Malaysian specimen bank notes that I have seen. 1. The most visible difference is this note is missing the metallic security strip seen on a circulation note. 2. The Agong watermark is also missing. 3. Usually, Malaysian specimens would have the word “CONTOH” stamped across the front and bank of the note. The word CONTOH means specimen in the Malay language. This note is missing this specimen word although the serial number is solid zeroes. 4. Another missing security feature is the missing tiny repeating micro text “BNMRM20” splash across the bottom of the Agong portrait. 5. It also does not have the wriggly fluorescent worms seen on the note. There are a couple of reasons why I think this note is legit. 1. The printing, ink and paper looks exactly like the circulation notes. I cannot seem to find a printing, color or stuff that is out of place. 2. Shine a light on the serial number and the ink on the serial numbers changed color from black to green. The red will change to orange. 3. The invisible Kijang logo and RM20 will appear with the UV light, in the correct location with the matching the circulation note. I have no reason to believe this note is a fake. If it was a fake, whoever made this, I salute this person. It is so well mad and deserve some recognition. Personally, I believe this is a progressive proof where some of the printing processes are incomplete. It could be done as a sample to check quality and seek design approval. After careful consideration, I took the plunge to buy it and immediately send it to PMG, hoping that it can be graded. After an agonizing wait of 6 months due to MCO and office and business closures, this note finally made it back to Malaysia. It has not been graded by PMG as a specimen note with a grade of 66EPQ. I am happy with the result and a successful hunt. It could end up a very costly mistake if it came back as a fake. Luckily this time, there’s a happy ending.