Century2:  The postcard was a commercial post-card sized calendar for a wooden box manufacturer.  This does not mean the uniform and 1899 (or updated 1898) Krag Carbine were in private hands.  A professional photographer and model could probably arrange a "photo op." with a U.S. Army or a State National Guard Unit.  Great photo and good question.  I wonder if earlier (pre-1898) Krags were sold off when the 1898 & 1899 Krags became "reserve arms"?  Hey, I think she's my Grandma!  Chuck