Such a HAPPY fellow because he is surrounded by HAPPY COLORS of Real Red and Granny Apple Green! This is an easy format: simply cut 1" off the right front edge of your basic card. That piece becomes the banner by tucking 1" under the inside Whisper White layer and folding back over the front! PRESTO!
This arrow shows where the 1" banner tab is tucked under the inside white layer.
Blends were used to color the Spirited Snowman #148072. Time to start those Christmas cards!