Today’s 1860s era image features a woman with soft facial features and an understated dress. The image uses the full front of the card mount, leading me to believe it is post 1865. The dress looks like it has a slight sheen on the skirt, so it may have been a silk dress. The bodice is nicely trimmed with gimp across the bust and upper sleeve.
The photo was made by N. E. A. McLeod, Photographer, located at the corner of Detroit & Pearl Streets in Cleveland, OH. I found a Cleveland directory from 1878 that had McLeod still in business on Pearl Street.