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20 Heller Kammern

Issuer Gemeinde Kammern am Kamp (Municipality of Kammern am Kamp)
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In circulation to 31 December 1920
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Obverse description The left half of the note carries the denomination numeral '20' in large Gothic script, with the inscriptions 'Gutschein Gemeinde', 'Kammern am Kamp' and 'Nied. Oest. u.' arranged vertically in black letterpress. To the right, a decorative vignette within a ruled border shows a rural chapel or wayside shrine set among trees, framed above by a grapevine and wine-glass motif rendered in fine line engraving. A scrollwork underprint in reddish-brown fills the lower portion, below a redemption text divided into two flanking columns; three handwritten signatures appear at the foot, identified by the roles 'vicebgm.', 'gesch. Gr.' and 'Bgmstr.'
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Reverse description The plain cream-coloured reverse is printed entirely in black letterpress with no pictorial vignette. At the top, a four-line humorous verse in German Fraktur script reads 'Als Noah aus der Arche kroch…'; below, a large-type redemption paragraph states that the Kassenschein bears no interest and will be redeemed in legal tender by the Gemeinde Kammern am Kamp between 1 and 31 December 1920. At the foot, a counterfeiting warning in italicised Fraktur reads 'Die Nachahmung wird gesetzlich bestraft.'
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Kammern am Kamp is a small market town in Lower Austria's Kamptal wine region, and like hundreds of Austrian municipalities, it issued its own small-denomination paper during the acute coin shortage that followed the First World War. These Notgeld issues — technically emergency money, though the term flatters the economic crisis behind them — were authorized under a general imperial and later republican framework that allowed municipalities to fill the gap left by hoarded or melted coinage.

The Jaksc catalog (JPR) documents Lower Austrian municipal issues with more granularity than Pick alone, and the 0424 series covers Kammern's output. Survivorship is high relative to circulation for most Heller Notgeld — collectors absorbed enormous quantities directly from issuing offices, which distorts any rarity assessment based on surviving numbers alone.

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