How nice to hear from you! It sounds to me like we have a match, and I'm so happy Lottie's photo will return to her daughter.
I don't make it a habit of picking up cabinet cards that belong to other families, but my family has lost so many old photos to some relatives' indifference that I had to try and find Lottie's for her since her name was so obvious and it seemed a crime for her to end up in an antique mall being sold for a small sum. I am in Pennsylvania now, and brought it back with me.
I would love to hear the story behind this photo. Did she go to college? If you would provide me with your phone number, I will be glad to call you. Thank you!