20 Pfennig Bezirkssparkasse

发行方	Bezirkssparkasse Hofheim in Mainfranken
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面值	20 Pfennigs (20 Pfennige) (0.20)
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正面铭文	HOFHEIM BEZIRKS-SPARKASSE 20 PFENNIG
背面描述	The reverse is entirely unprinted, presenting a plain cream paper surface with no text, vignette, or ornamentation; the perforated edges are visible on all four sides.
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备注	Bezirkssparkasse Hofheim in Mainfranken was one of hundreds of district savings banks that resorted to Notgeld during the acute small-change shortages of 1917–1922, when hoarding and metal requisitioning had stripped coins from everyday commerce almost entirely. These local emergency issues were authorized under a patchwork of Bavarian and Reich-level tolerances rather than any single coherent policy — which is why denominations, designs, and redemption conditions varied so sharply from one issuer to the next, even within the same district. Hofheim itself is a small market town in Lower Franconia. That a savings bank at this scale was producing its own paper scrip is a fair measure of just how badly the monetary system had fragmented by the early Weimar period.

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