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| 正面描述 | Horizontally divided into three panels by ruled borders with corner ornaments. The central panel bears the denomination BON / PREKO / KRUNA 20 KRUNA in bold letterpress, with the issuer name VILIM STEINER in large red type, address Ilica 7, Zagreb, and telephone number. Side panels carry advertising text in black and red. |
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| 正面铭文 | Preporuča svoje bogato skladište muškog i ženskog rublja, platnene robe prvih čeških tvornica, čarapa ogrlica i ovratnika. BON PREKO KRUNA 20 KRUNA KOD KUPNJE PREKO KRUNA 1000 KRUNA U MODNOJ I MANUFAKTURNOJ TRGOVINI VILIM STEINER Ilica 7 ZAGREB Ilica 7 Telefon 13-94 Specialni odio: Engleskih tkanina za muška i ženska odijela, kao i pripadajući pribor Uvijek novosti u švicarskim svilama crepdešinima etaminima itd. |
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Vilim Steiner was among the Zagreb merchants who issued private emergency scrip during the acute coin shortage that gripped the former Austro-Hungarian territories in the immediate aftermath of the First World War. With small-denomination metal coinage effectively disappearing from circulation by 1918–1919 — hoarded, melted, or simply stranded across collapsing monetary borders — retailers and businesses across the region printed their own fractional substitutes to make change. Steiner's notes, produced locally, functioned as store credit redeemable against purchases of fabric and clothing goods.
These merchant scrip pieces were never legal tender and carried real risk of total loss if the issuer closed or refused redemption.