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Is this an example of a bank bag toning effect?
is this a example of a bank bag causing a toning effect on a coin?
or is it a palm print?
Link to coin
or is it a palm print?
Link to coin

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Definitely not textile toning - palm/finger prints most likely, and as for the toning - it looks more like album toning than bag toning.
Now I know what bag toning would typically look like.
I have no idea how they came up with a MS68 grade on that.
That is a thumbprint creating the toning "patterns". (well, actually, thumbprintS).
Don't buy NTC...if you do, do it sightseen, strong return policy, and lower grades.
I've been told I tolerate fools poorly...that may explain things if I have a problem with you. Current ebay items - Nothing at the moment