I was asked to informally appraise a local womans deceased husbands collection and this was the only piece of currency in it! I made a fair offer with the caveat she have at appraised by the dealer that was purchasing her coins. She had over $30,000 in gold coins and thought they might be worth $5-6000. She gratefully let me have it cheap.
I just took a close look and while the top margin is there it is real tight. Despite the color and the nice face it does have 3 folds so its, at best , a VF albeit a nice one. paid $250 for it and think I got a bargain.