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| 背面描述 | Plain buff-coloured reverse with all text set within a dashed rectangular border. The denomination and issuer are stated at the top in Gothic script, followed by a legal redemption clause guaranteeing the note in lawful currency, a validity statement, and a counterfeiting warning at the foot. The overall design is entirely typographic with no pictorial vignette. |
| 背面铭文 | 20 Heller Heller 20 Gutschein der Gemeinde Steinakirchen a. F. Die Gemeinde Steinakirchen a. F. haftet für die Verbindlichkeit diesen Schein in gesetzlichem Bargelde einzulösen und hat hiefür eine eigene Deckungsrücklage bestellt. Nur gültig bis 31. März 1922. Die Nachahmung dieses Scheines gesetzlich bestraft. |
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Austrian Notgeld of this type emerged from a specific failure of the central monetary supply after World War I — the Austro-Hungarian crown collapsed in purchasing power, and the imperial mint could not produce small-denomination coins fast enough to meet rural demand. Municipalities across Lower Austria filled the gap themselves, printing emergency Heller notes with local authority and no federal mandate. Steinakirchen am Forst, a small market town in the Mostviertel, was among hundreds of communes that did exactly this in 1920.
These locally printed pieces had no legal tender status outside their issuing community.