20 Kwacha

Vorderseitenbeschreibung	Portrait of President Kenneth Kaunda at right against a multicolour guilloche underprint with concentric wave patterns at left; the Zambian national arms appear as a vignette at upper centre. Denomination numerals K20 are printed in the upper corners, with the bank title and promise-to-pay clause inscribed across the centre field.
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Rückseitenbeschreibung	A vignette of the National Assembly building in Lusaka occupies the centre, rendered in intaglio against a lightly tinted guilloche background with decorative scroll motifs at the corners. Denomination numerals K20 appear in all four corners, with the bank title across the top and the denomination spelled out in full along the base.
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