One of the terraces of Hotel Splendid (I believe), in the spa town of Châtel-Guyon, France, ca. 1900 – ca. 1910, via Vladimir Tkalčić on flickr (used under CC license).
The writing across the postcard says “Il y a une vingtaine d’années” — “Twenty years ago.” On the back is an undated note addressed to someone in Zagreb. The affixed stamp was issued in 1927.
enclos*ure 