75 Pfennig Städtische Sparkasse

Glatz — now Kłodzko in southwestern Poland — was a heavily fortified Prussian garrison town that became an industrial and commercial center in the late Imperial period. By 1921, runaway inflation was already forcing German municipalities to issue their own emergency paper, and the Städtische Sparkasse here was among hundreds of local savings institutions pressed into the role of substitute currency issuer. The 75 Pfennig denomination is a characteristically odd notgeld value, deliberately chosen to discourage hoarding by being difficult to substitute for standard Reichsmark amounts.

L. Schirmer was a local Glatz printer — not a specialist banknote firm — which accounts for the relatively modest production quality typical of provincial notgeld from Lower Silesia.