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| 背面描述 | Brown letterpress print on white paper within a beaded rectangular border, the layout composed entirely of typeset text. The upper portion carries a two-line Croatian text passage, followed by the denomination statement filira 10 filira in bold display type at centre; below, a four-line authorisation text cites the Minister of Finance permit dated 24 October 1919 (no. 3009), restricts the note's validity to the city of Karlovac until the end of June 1920, and warns that forgery will be prosecuted. The issue date U Karlovcu, dne 15. studenoga 1919. appears beneath, with the title Gradonačelnik and the Mayor's manuscript signature at lower right. |
| 背面铭文 | Gradska blagajna u Karlovcu isplaćuje na ovu novčanicu u zakonitoj krunskoj vrijednosti filira 10 filira Ova novčanica izdana je dozvolom ministra financija od 24. listopada 1919. broj 3009 i vrijedi samo za područje grada Karlovca do konca lipnja 1920. Patvorenje se kazneno progoni. U Karlovcu, dne 15. studenoga 1919. Gradonačelnik: |
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Karlovac issued its own emergency scrip in 1919 because the collapse of the Austro-Hungarian monetary system left provincial towns scrambling to plug gaps in small-denomination circulation. The new Kingdom of Serbs, Croats and Slovenes had not yet stabilized its currency supply, and coins had largely vanished from everyday trade — hoarded, melted, or simply gone. Municipal authorities across the former Habsburg lands responded by printing their own fractional notes, and Karlovac was among them.
At 10 filira, this is about as low a denomination as emergency scrip gets — essentially a substitute for copper coinage.