Welcome to Coin Talk. Die Deterioration strike on obverse, and Slight Misaligned die strike on Reverse. Very common coin error with no value added.
If you like it, keep it. Even though it doesn't have a premium, You only have 10 cents invested in it. That's the beauty of collecting. You can save what you like, regardless of what anybody else says.
What both of them said. Keep it if you like it, but it's not really worth more than face value. I'd just spend it. I like the little kitty in your avatar. Reminds me of my latest rescue buddy.
