This card is a conversion from the 12″ x 12″ Vintage Overlays Template for a Scrapbook page, created by using the Change Project Size/Type command under the Edit menu.
I changed the flowers on the original to snowflakes from the Season of Cheer stamp brush set and changed the words to fit the card.
The photo is from Untitled by Ryan Dickey, on Flickr, with color changed to black and white to fit the vintage feel of the card.