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| 背面描述 | Printed entirely in orange-amber on cream paper, the reverse carries a fine geometric guilloche underprint of interlocking diamond and wave patterns covering the entire field. The denomination numeral 200 appears in ornate black cartouches at each of the four corners. Across the centre, the institutional name 'SPAR- UND LEIHKASSE' is printed horizontally in large bold capitals, with 'LÄNDLICHE' above and 'IN APPENZELL' below; a small circular rosette medallion bearing the numeral 200 occupies the centre of the note, and the words 'ZWEIHUNDERT FRANKEN' are printed vertically in large letters reading upward from the bottom edge. |
| 背面铭文 | 200 LÄNDLICHE SPAR- UND LEIHKASSE IN APPENZELL ZWEIHUNDERT FRANKEN 200 |
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The Ländliche Spar- und Leihkasse in Appenzell was a rural savings and lending cooperative, not a cantonal bank — one of dozens of such private institutions that issued their own notes in Switzerland before the Federal Banking Law of 1881 began tightening the rules on note issuance. The 1880s were the last viable decade for institutions of this type to circulate paper; the Swiss National Bank's eventual monopoly, formalized in 1907, rendered all such private issues obsolete.
The Richt/Kunz reference points to a known but genuinely scarce series. Appenzell Innerrhoden was among the smallest cantons, and circulation would have been correspondingly limited.