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| 背面描述 | The reverse is composed of two registers. The upper portion is divided between a decorative left panel containing a woodcut vignette of a bearded figure standing in a boat and raising a red banner, set within a scrollwork border, and a larger right panel bearing a panoramic townscape view of Mülheim am Rhein — captioned 'Mülheimer Gottestracht' — with the Rhine in the foreground animated by rowing boats and sailing craft. The lower register presents the denomination '10 PF' in a guilloche-framed cartouche at left, and a Gothic-script verse inscription at right. The artist's signature 'Ruland' appears in the upper section. |
| 背面铭文 | Ruland. Mülheimer Gottestracht. 10 PF Mülheim, Stadt meiner Kindheit und Jugend, / Wie reich thronst du am Ufer des Rheins. / Spiegelst prächtig dich in des Stromes Wellen / Die mit lautem Gesang grüßen betriebs- same Stadt / Dich und im Hafen die schaukelnden Schiffe. |
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Köln-Mülheim was an independent municipality on the right bank of the Rhine until its absorption into Cologne proper in 1914 — the Gewerbebank, a cooperative credit institution serving local tradespeople, retained the hyphenated name well into the Weimar inflation years. Notes like this 10 Pfennig emerged from the Kleingeldersatz emergency that gripped Germany through 1921–1923, when small coin essentially vanished from circulation and thousands of local authorities, cooperatives, and businesses filled the gap themselves.
Heiss & Co. in Cologne-Lindenthal handled much of the regional notgeld printing work. The designer credit to Ruland is one of the few details distinguishing this issue from the generic run of cooperative emergency scrip.