According to the Charlton grading standards, this should be a Fine + as far as I can tell.
The wear on the center crease alone shows broken paper fibres andsignificant wear, despite some partsof the bill looking not as bad.
If I was to list this, I would say "Fine" due to hard crease down center, regardless what the rest of the note looked like. (of course if the rest of the note was MINT, then that would need special mention)