Hi Gary,
Can you actually see the image in the htm format?
Htm is a web page format, not an image format . . .
Download the file that is sent to you
In our downloads folder, check to see if it is accompanied by a folder of the same name
If so, in that folder, you should find the image file
If not, you need to ask your family to save the image in an image file format and then re-send it to you . . .