Pop N Stick. She has several other cool digital images you can use for card making so check out her site!! Here is a direct link to the tree.
I layered the tree to coloured cardstock, added a border punched strip and a rectangle of decorative Christmas paper which I glued to a coordinating card front to make up this card. I added a bit of ribbon to the decorative paper, sponged my eyelet edge, watercoloured my image and added this little greeting on my insert - Christmas is about what`s in your heart, not what`s under the tree. Wishing you a merry little Christmas!!
Making your own cards gives you so much flexibility!! You can add your own little twists, use your favorite colour combinations and add meaningful greetings!!