Found this Coin Community post from 2014, for something that looks to be the same die as my nickel. The post says it is only a die chip in the "5". My coin shows a bit more contrast at what is going on on the coin... and I think there is possibly more to it?
On the obverse devices and reverse devices, you can see the LDS-VLDS die state when your coin was struck. There is MD on the east side of the building. Small die chip. But no premium for this. You are training your eye by learning what you are seeing.
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