1

Matt the card front with gold cardstock, leaving a narrow border. Die-cut the tree panel from white cardstock, back it with patterned paper and a border of gold cardstock, trim away any excess and secure it to the card front.

2

Die-cut the tree panel from a contrasting paper, cut out the tree and secure it to the card front. Die-cut the panel a third time from gold cardstock, cut out decorative elements and arrange them onto the card front.

3

Stamp the sentiment onto a banner of white cardstock, fold the sides to add extra dimension and layer it onto the card front using 3D foam pads. Add gems to finish.