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| 背面描述 | Plain cream paper with a central text block in Cyrillic dated '1918 годъ', stating that guaranteed cheques circulate on par with credit notes and that the sum of the cheque is frozen on the depositor's current account, payable only to the bearer. A circular red official stamp of the Kislovodsk Branch is applied at lower left, accompanied by two manuscript signatures designated 'Управляющій' and 'Кассиръ'. A handwritten serial number appears vertically at left margin. |
| 背面铭文 | 1918 годъ. Гарантированные чеки имѣютъ хожденіе наравнѣ съ кредитными билетами. На сумму настоящаго чека наложено запрещеніе на текущій счетъ вкладчика и деньги будутъ выданы только лишь подателю этого чека. Управляющій Кассиръ |
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The Volunteer Army's territorial finances during the Russian Civil War were a patchwork of competing issuers, emergency overprints, and locally authorized scrip. This note originates from the Kislovodsk branch of the State Bank operating under the Volunteer Army — one of the White forces attempting to maintain recognizable institutional structures in the northern Caucasus while Bolshevik control remained contested. The "Piatigorsk-Batalpashchinsk Company" designation marks a very specific operational zone, not a banking entity.
By late 1918 the region changed hands repeatedly. Notes like this often circulated for weeks before becoming worthless upon a Soviet advance.