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| 背面描述 | The reverse carries a two-column Cyrillic text block headed ЧЕКЪ ГАРАНТИРОВАННЫЙ (ОБЕЗПЕЧЕННЫЙ), explaining that the cheque is secured by the Stavropol Branch of the State Bank through a lien on the depositor's current account and that funds will be paid solely to the bearer. A large guilloche numeral 10 is printed in the centre field as an underprint behind the text columns. A further paragraph notes the extension of validity to 1 March 1919, and the note bears manuscript signatures of the Manager and Controller at the foot. |
| 背面铭文 | ЧЕКЪ ГАРАНТИРОВАННЫЙ (ОБЕЗПЕЧЕННЫЙ) Настоящій твердый чекъ обезпеченъ Ставропольскимъ Отделеніемъ Государственнаго Банка въ полной суммЕ наложеніемъ запрещенія на текущій счетъ вкладчика и деньги по нему будутъ выданы только лишь подателю РУБЛЕЙ этого чека. Въ виду недостатка въ настоящее время кредитныхъ билетовъ срокъ действія этого чека продолженъ до 1-го Марта 1919 года, въ теченіе каковаго времени онъ имеетъ хожденіе наравне съ кредитными билетами. Управляющій Контролеръ |
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During the Russian Civil War, the Stavropol Branch of the State Bank issued its own emergency currency when supply lines from Moscow and Petrograd collapsed entirely. Stavropol changed hands multiple times between Bolshevik and White forces in 1918–1919, meaning notes like this one could pass through radically different political authorities within months of issue — sometimes within weeks.
The S520 series encompasses several denominations and signature varieties; the "D" suffix in the Pick reference denotes a specific cashier signature combination, which is the primary means of distinguishing these otherwise similar issues.