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| 正面描述 | Black and ochre-yellow woodcut-style vignette in the central field, with a female figure in traditional Silesian folk costume at left and a male craftsman figure at right, flanking the large numeral '75' above a ribbon cartouche bearing the issue date and issuing authority. The outer border consists of decorative ochre-yellow geometric and foliate ornamental panels. A validity clause appears in Gothic lettering along the lower border. |
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| 背面描述 | Black central cartouche with ornate scalloped border on an ochre-yellow decorative ground filled with small folk-art motifs. The years '1821' and '1921' appear in the upper corners marking the centenary, with a curved inscription along the top of the cartouche and a large Gothic-script motto in three lines occupying the centre field. The denomination '75' and 'Pf' appear at left and right respectively within the cartouche. |
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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.