Beautiful red, gold & white snowflakes surround your photos on this four photo holiday card. Converting all the photos to sepia keeps the focus on the text without becoming too busy….

This deep red and gold-toned design uses a simple script to wish your loved one a Happy New Year, with 2009 optionally shadowed beneath. Using one large photo (which can be left in color as shown or converted to black & white or sepia) and completed wi…