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| 背面描述 | Plain white paper reverse with a single block of printed Cyrillic text in black, stating that the cheque has been accepted by the Armavir Branch of the State Bank and circulates at par with State Credit Notes until 1 December 1918, with a note that cheques bearing corrections are not valid. Two handwritten signatures appear below the printed roles Управляющій and Контролеръ, accompanied by a circular official stamp of the State Bank Armavir Branch at lower left. |
| 背面铭文 | Настоящій чекъ акцептованъ Армавирскимъ отдѣленіемъ Государственнаго банка и имѣетъ хожденіе на равнѣ съ Государственными кредитными билетами до 1-го Декабря 1918 г. Чекъ съ исправленіями оплатѣ не подлежитъ. Управляющій Контролеръ |
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Armavir, a trading hub in the Kuban region, was one of dozens of provincial towns that began issuing their own emergency money after the Bolshevik seizure of the State Bank's central apparatus in late 1917 effectively severed local branches from any reliable supply of currency. The Armavir branch's 40-rouble denomination is an odd one — not a round figure born of banking convention but a product of desperate arithmetic, likely calibrated to stretch whatever paper stock or printing capacity was locally available.
The Kuban changed hands multiple times during 1918 between Red and White forces. Notes issued by this branch had an exceptionally short practical lifespan.