The image features a festive greeting in a stylized font. The text reads "Merry Christmas & a Happy New Year," with the words "Merry Christmas" and "Happy New Year" in a larger, more prominent font. The phrase "& a Happy New Year" is placed below "Merry Christmas," and both lines of text are enclosed within a decorative border that includes a repeating pattern of snowflakes and holly leaves. The overall design suggests a holiday theme, likely intended for a Christmas card or a similar festive message.