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| 正面描述 | Brown letterpress note with an elaborate central guilloche rosette bearing the large numeral '1' and the inscription RUBEL in vertical text on either side. The heading JEDEN RUBEL appears in bold across the top centre, flanked by two columns of Polish text stating the redemption and security conditions. Series designation in red at lower left and serial number in red at lower right. Below the central vignette, two columns of facsimile signatures appear under the headings of the Urząd Starszych Zgromadzenia Kupców m. Łodzi and the Komitet Giełdowy Łódzki, with additional attestation text and guaranteeing bank names at the foot. |
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| 背面描述 | Brown letterpress note of identical layout to the obverse but with all text in Russian in pre-reform Cyrillic script. The central guilloche rosette carries the large numeral '1' with РУБЛЬ below it, and ОДИНЪ РУБЛЬ appears in bold at the top centre, flanked by Russian-language redemption and security texts. Series and serial number printed in red. Below the central design, facsimile signatures appear under the headings of the Управа Старшинъ Лодзинского Купеч. О-ва and the Лодзинскiй Биржевой Комитетъ, with a circular red stamp at centre and guaranteeing bank names at foot. |
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Łódź in 1915 was under German occupation, its textile industry largely commandeered, and its pre-war commercial infrastructure scrambling to maintain basic economic function. This note was issued jointly by the Elders' Assembly of Łódź Merchants and the Łódź Exchange Committee — not a bank, not a municipal authority, but a coalition of the city's own trading class attempting to keep local commerce liquid in the absence of stable circulating currency.
The rubel denomination reflects the Tsarist monetary system still nominally in use across occupied Russian Poland at that point, before the Germans introduced their own occupation currency later in the war.