1935 $5 note... EF ???

This note:
{http://img410.imageshack.us/img410/7945/11ba1as1.jpg}

{http://img410.imageshack.us/img410/6594/16101vm9.jpg}

Looks like an EF, except if you look closely, there are some very sharp vertical folds. That's fine but look at the reverse, there seems to be a horizontal crease that has taken out the color around the center of the note. If that's the case, the note is no more than a VF. Is it just me/the lighting?

$620 US = $775 CDN... that's like VF-30. But then notes like these are going for 80% book price at the dealers.

What do you think?

[edit]Removed link to eBay auction and question about the buyer. Inserted images from eBay auction. When posting these sorts of things, please only include the images. Do not link back to eBay listings, and do not make any references to the seller and/or buyer. Thank you! --BWJM[/edit]