The Family have provided information about the Photo
The rear says To Hilda from Dad
They wrongly thought Dad was Daviid Drummond Oliver the Father of Hilda and Thomas Henry but he would have been over 50 in the 1920s so not him nor Thomas's Sister Hilda
But as a Researcher I have found people are sent Photos of other Cousins to keep and the Fad in that period to ame Children after other Cousins
Looked for a Birth GRO ref for a Hilda Oliver
Found one in March Quarter 1921 in West Derby Liverpool Mother's Maiden Name = West
Found a Marriage in West Derby June Quarter 1917 of a Oliver C Oliver to an Emily West
I then looked for a Medal Card for an Oliver Oliver and found one in the Royal Engineers