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| 正面描述 | The right half of the face is occupied by a vignette of a female portrait set within an oval guilloche frame, with a small crowned eagle shield in the upper right corner. The left portion carries a central text panel on a guilloche underprint bearing the issuer name POLSKA KRAJOWA at the top and KASA POŻYCZKOWA at the foot, with the denomination DWADZIEŚCIA MAREK POLSKICH in large letterpress above a legal obligation text dated Warszawa, 23 sierpnia 1919 roku. The numeral 20 appears in the lower right corner, and the entire note is enclosed within a scalloped decorative border in red and brown tones. |
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| 背面描述 | The reverse is printed entirely in red on a dense guilloche underprint of scrollwork and foliate ornaments within a scalloped border. A crowned Polish eagle set in a shield occupies the upper centre. The series designation and serial number are printed in black at the upper left and right respectively. Two circular guilloche rosettes, each containing the white numeral 20, are positioned at the lower left and right. A central anti-counterfeiting warning text in Polish appears between the rosettes. |
| 背面铭文 | II Serja CR KTO PODRABIA LUB FAŁSZUJE BILETY POLSKIEJ KRAJOWEJ KASY POŻYCZKOWEJ ALBO PUSZCZA W OBIEG LUB USIŁUJE PUŚCIĆ W OBIEG PODROBIONE LUB FAŁSZOWANE BILETY, PODLEGA KARZE CIĘŻKIEGO WIĘZIENIA 20 20 |
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