Kathleen and her mother and her sister Ruth were still living in England. This is a Christmas card from Kathleen's cousins the Grays to her immediate family. Andrew Gray, the father of the Gray family, was a brother of Annie Gray Farmer, who was Kathleen's mother. Sevenoaks was the town in Kent, England where the Grays lived. I don't know whose the handwriting is on the card.
My cousin Barbara assigned this card to 1908, but I don't know why. I must be missing something. Something really obvious, I'm sure. As to why I gave it a date of December 23: I wanted a December date so that this would be in order on the list of documents. And the Grays sent their 1905 postcard on the 23rd, so I used that.
Kathleen's father WJ and her brother Cecil would have been in the US by this time, so it would have been Annie, Ruth, and Kathleen who got the Christmas card.
And when Kathleen, her mother, and Ruth finally packed up and crossed the Atlantic to Savannah in 1910, they took this card with them.