According to the eBay seller the cards are from the St. Nicholas, a private club in NYC. The center picture appears to be from the NYC club whereas the top two pictures look to be from the train car at the bottom. Did the club own a train car to make the Florida - NYC run in the winter?

Another question is what do the letters WKF or FKW stand for? Is that the card manufacturer or does it have something to do with the club (note the “K” on the playing card)