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| 正面描述 | The obverse is printed in dark grey and black on white paper with red overprint lettering. A central vignette presents a volcanic mountain (Nevado del Ruiz) within a large oval guilloche frame, with the denomination numeral '20' appearing on either side. The heading reads 'BANCO DEL RUIZ' and 'SECCION HIPOTECARIA' in bold letterpress, with 'CEDULA HIPOTECARIA AL 2% DE INTERES ANUAL' immediately below; serial number panels appear at the upper left and right. The lower portion carries the text 'VEINTE PESOS / ORO LEGAL AL INTERES DE 8% ANUAL PAGADERA / EN 30 DE JUNIO DE CADA AÑO' and the imprint of the American Bank Note Company; the illustrated specimen bears red 'SPECIMEN' overprints. |
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| 背面描述 | The reverse is printed in olive-green on white paper, with a horizontal layout dominated by a central oval guilloche panel bearing the denomination numeral '20' twice. The bold heading 'BANCO DEL RUIZ' appears at the top, beneath which a columned 'CONDICIONES' section sets out four numbered clauses governing the bond's terms. A numbered coupon stub occupies the left margin, and the denomination 'VEINTE PESOS' is letterpress-printed along the bottom margin; the American Bank Note Company imprint appears at the foot, with punch-hole cancellations visible on the specimen. |
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Banco del Ruiz was one of several regional Colombian banks authorized under the 1880s banking liberalization laws, taking its name from the Nevado del Ruiz volcano that dominates the Caldas region. Manizales at this time was a coffee boom town, and private banknotes from houses like Del Ruiz functioned as genuine commercial currency across the coffee-growing interior long after Bogotá had attempted to centralize monetary control.
The ABNC contract for Colombian provincial banks in this period was substantial — the company printed for multiple competing regional issuers simultaneously, which occasionally produced near-identical note formats distinguished only by the bank name and locality text. This series was issued not long before Colombia's 1923 Kemmerer Mission reforms effectively ended the private bank note era.