This modern photo holiday card uses a two-toned effect to draw the eye to your photo, which can be left in color or converted to either black & white or sepia if you wish. The black & white colors can also be changed to any two colors that you wish. A custom verse (Happy Holidays 2009, Seasons Greetings & Best Wishes, etc) can be printed above the photo, with your names and/or company information beneath. When printed on flat cardstock, the back can be used to share more text with or without another photo, or can be used to create an invitation to a holiday party. You may also design this as a folded card, with an inside and a custom back featuring anything you wish.