This Silver Coin is from 1912 and is strung on an 18” solid Sterling Silver, 1.2mm “Snake Chain”. It has King George V on the backside.
The Newfoundland 20 cent coins were introduced in 1865 and struck until 1912, although there are many years which were not struck. The standard was 92.5% silver and 7.5% copper, 23.19 mm diameter, weighing 4.71 grams.