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| 正面描述 | Printed in dark red on a buff ground, the obverse carries two full-length vignettes of local figures in traditional Salzburg folk costume — a woman at left and a man at right — each set within a lightly ruled rectangular frame. The central text panel bears the denomination and issuing authority in Gothic script, with facsimile manuscript signatures of the Bürgermeister and Vizebürgermeister below, alongside the Gemeindekataster countersignature. The large denomination '20 Hl' appears at the foot of the note, with the edition notice '3. AUFLAGE' centred beneath it. |
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| 正面铭文 | Zwanzig Heller Kassenschein der Marktgemeinde Lofer, Ld. Salzburg Giltig bis 28. Feber 1921. Nachdruck verboten. Der Bürgermeister: Der Vizebürgerm. Gem. Kat. 20 Hl 3. AUFLAGE |
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Lofer is a small market town in the Salzburg district of St. Johann, and like hundreds of Austrian municipalities it resorted to issuing its own emergency paper during World War One when small-denomination coinage disappeared from circulation almost entirely. These Notgeld issues — locally produced, locally redeemed — were never intended to travel far. The Wagner press in Innsbruck handled a significant volume of Tyrolean and Salzburg municipal issues during this period, which gives this note a regional printing identity rather than the Vienna-centric production typical of larger Austrian emergency currency.
The Jaksch/Pick reference suffix "c" indicates a distinct variety within the Lofer 20 Heller series — likely a color, paper, or typographic variant.