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| 正面描述 | The obverse is printed in dark navy blue and ochre yellow, with a decorative border of interlaced folk-art motifs and large numeral '75' in each upper corner forming the underprint. A central dark cartouche in blackletter script carries the issuer name and denomination, with the validity clause 'Gültig bis 3 Monate nach Aufruf' beneath; below the cartouche, in the ochre underprint, appear the place and date of issue along with the inscription 'Der Verwaltungsrat' and a manuscript signature. |
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| 背面描述 | The reverse is printed in the same two-colour scheme of dark navy and ochre yellow, with vertical panels on each side bearing the savings motto in blackletter script and an eagle vignette. The central dark field carries a woodcut-style allegorical vignette of an adult figure and a child at a strongbox, flanked by the centenary years '1821' and '1921', with the commemorative legend '100 Jahre Sparkasse' below; the printer's imprint 'L. Schirmer Glatz' appears in the lower margin. |
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Glatz — now Kłodzko in southwestern Poland — was still firmly within German Silesia in 1921, and the Städtische Sparkasse there was one of hundreds of municipal savings institutions empowered to issue Notgeld during the postwar inflationary spiral. The 75 Pfennig denomination is itself a tell: odd fractional values like this were calculated to fill gaps left by coin shortages rather than to correspond to any natural monetary unit.
L. Schirmer was a local Glatz printer, not a specialist currency house, which is typical of third-wave Notgeld production where municipalities simply contracted whoever was nearby.