I'm not sure just how comfortable laying in the grass nude, propped on a rock is, but French painter Jules Scalbert makes it look graceful and enviable in "Les nymphéas" (Water Lilies). Scalbert (1851–1928) was born in Douai, studied art under Isidore Pils and Henri Lehmann and started exhibiting at Paris Salon in 1876. He was a prolific artist, producing historical and genre scenes, allegorical subjects, flowers and especially nudes, like this one. Scalbert's signature is at the bottom right corner.
If you're wondering about the alphabet soup verso: S.A.F. was the Société des Artistes Francais, which took over the Salon de Paris in 1881 after it lost government sponsorship. A.N. refers to Alfred Noyer. He was a member of the Salon de Paris and he photographed paintings for it and other institutions to meet the demand for quality art cards. Luxochromie is the trade name used by the Noyer for his art cards printed in halftone lithography. (Thanks to the Metropolitan Postcard Club of New York for this historical information.)
This card is unused in in overall mint antique condition. Noyer's studio was up and running into the 1940s but I believe this card is from his earlier business days, making it pre-WWI. Size: about 5.5 by 3.5 inches.