The image features a festive greeting for the holiday season. The text "Merry Christmas" is prominently displayed in a decorative, cursive font. Below this, there is a smaller text that reads "Happy New Year," indicating that the greeting is meant to cover both Christmas and New Year's celebrations. The background is a solid black, which contrasts with the white text, making it stand out. To the right of the text, there is a small graphic of a bell, which is a common symbol associated with New Year's celebrations. The overall design is simple yet festive, suitable for holiday greetings.