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| 正面描述 | Printed on smooth, firm blue-green paper in dark brown letterpress, the obverse carries large Gothic-script text reading 'Stadt Kempen-Rhein' across the upper portion, with the denomination '20 Pfennig' in bold characters flanking a central text panel containing the redemption conditions and the issuing authority's guarantee. The date '9.3.20' and the facsimile signature of the Bürgermeister appear within the text block, with a serial number printed in the lower centre between two small floral ornaments at left and right. |
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| 防伪描述 | Zickzacklinien (zigzag lines) watermark pattern (Keller #146) |
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Kempen am Rhein — now simply Kempen, in the Lower Rhine region of North Rhine-Westphalia — issued this note as part of the vast wave of German municipal Kleingeldscheine that filled the void left by the chronic small-change shortage following World War I. The Reichsbank's inability to supply adequate coinage through 1919–1921 pushed hundreds of municipalities into issuing their own low-denomination paper, most of it short-lived and redeemed locally.
The watermark security feature is notable at this size and denomination — many comparable Kleingeldscheine dispensed with it entirely, relying on local familiarity as the primary counterfeiting deterrent.