The image features a festive greeting with a white background. At the top, the word "NICE" is written in a cursive, green font. Below "NICE," there is a red Santa hat with a white pom-pom on the end. The word "NAUGHTY" is written in a similar green cursive font, positioned directly below "NICE." The phrase "Merry Christmas" is displayed in a smaller, green font, centered between "NICE" and "NAUGHTY." The overall style of the image is playful and holiday-themed, with a clear emphasis on the contrast between "NICE" and "NAUGHTY."