Obverse Image: Name of issuing authority at top, denomination at center and in corners, date to the left, vignette of a pavilion to the left and of a roadway to a walled city to the right.
Obverse Text: [NEEDS TRANSLATION]
Reverse Image: Denomination to the sides and in corners, name of bank at top, image of bank building at center.
Reverse Text: 20 / 20 / YU HSIANG BANK / CHANGSHA / 20 / 20 / PROMISES TO PAY THE BEARER ON DEMAND AT ITS OFFICE HERE / TWENTY COPPER COINS LOCAL CURRENCY / VALUE RECEIVED / 20 / JUNE. 1918 / 20