"Grandpa Gerrard & Wife" is written on the back. Many Gerard family photos use "Gerrard" with two R's. They are posed for a portrait with Grandpa Gerard leaning against a decorative base or barrel.
Friends frequently exchanged photographs. This is "Delphina" from Colorado Teachers' College. "Loving by Delphina / CTC 7/1932" is written in the bottom right corner of the photograph.
Portrait of Mary Jo Trezise (Gerard), daughter of Melissa Larsen (Trezise) and Bob Trezise. Mary Jo graduated from Colorado Teacher's College in Greeley, Colorado, in 1960.