The area on the coin on the NW area is a struck through area. It happens a lot in the upper half of cents. The area under the Memorial appears to be a die gouge/dent. It couldn't be a chip as there is nothing there to chip of. A closer view of that area might show more. Hard to tell for sure from the image if it is a contact mark or not? But it appears to be a die gouge from what I can see.
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