This is the flag of the Commissioner for South Georgia and the S. Sandwich Islands (SGSSI) from 1992-99. The base pattern is from Pre-'99 Governor's flag and the arms are modified from the blue ensign. FOTW was used for the position of the arms.
No machine-readable source provided. Own work assumed (based on copyright claims).
No machine-readable author provided. Hoshie assumed (based on copyright claims).