Anna has some GORGEOUS new card templates coming to the store. I pulled this one together in about 5 minutes. How great is that!?
There are 2 styles included and both are Shutterfly ready
I added a couple of extra touches: the cute little snowman and the bit of gold.

Anna Aspnes
HolidayKardz Sophistica No. 1
HolidayKardz Sophistica No. 1 by Anna Aspnes
Gold Paint Overlays No. 1
GoldPaint Overlays No. 1 by Anna Aspnes
MultiMedia Snowmen No. 1
MultiMedia Snowman No. 1 by Anna Aspnes