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10 Pesos Oro Legal
| Issuer | Banco del Ruiz, Manizales |
|---|---|
| Year | 1905 |
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| Currency | Peso (1871-1907) |
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|---|---|
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| Reverse description | Printed in blue intaglio on plain paper, the reverse is dominated by a central rectangular panel bearing the large denomination numeral '10' within an ornate guilloche surround, flanked by symmetrical rosette devices at left and right. The heading BANCO DEL RUIZ appears at top, beneath which the word CONDICIONES introduces four numbered clauses in Spanish outlining the guarantee, interest payment, amortization terms, and capital repayment conditions of the cédula. At the foot of the note, AMERICAN BANK NOTE COMPANY and the legend DIEZ PESOS are printed, with spaces for Manizales date and cashier signature. |
| Reverse lettering | BANCO DEL RUIZ CONDICIONES 1a. EL CAPITAL Y LOS INTERESES DE ESTA CÉDULA ESTÁN GARANTIZADOS POR LOS CRÉDITOS ACTIVOS DE LA SECCIÓN HIPOTECARIA Y POR EL CAPITAL DEL BANCO. 2a. LOS INTERESES SE PAGARÁN AL PORTADOR Y SERÁN EXIGIBLES EL 30 DE JUNIO DE CADA AÑO. 3a. ESTA CÉDULA ES AMORTIZABLE POR SORTEOS ANUALES EN EL CURSO DE DIEZ AÑOS. 4a. EL CAPITAL DE ESTA CÉDULA SE PAGARÁ AL PORTADOR EL DÍA MANIZALES EL CAJERO DIEZ PESOS AMERICAN BANK NOTE COMPANY |
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| Comments |
Banco del Ruiz was one of several Colombian departmental banks chartered under the 1880s free banking laws, operating out of Manizales in the coffee-growing heart of Caldas. These private banks issued their own currency with relative freedom until the government began systematically revoking charters in the early 1900s, a process that effectively ended Colombia's private banking era. By 1910, most of these regional institutions had been absorbed or liquidated under pressure from Bogotá's centralizing reforms.
The "Oro Legal" designation was not decorative — it legally bound redemption to a gold standard at a fixed statutory rate, distinguishing the note from peso-denominated paper with no specie guarantee. ABNC handled much of the printing work for Colombian regional banks during this period, their New York plant being the default choice for any issuer wanting engraved intaglio work that local printers could not produce.