This card features Julie Davison's Horizontal Center Step Card technique. I learned this while at Stampin' Up! Regionals in Louisville.
The penguin image is from Zoo Review - love that set! It's just soooo versatile! And the Merry Christmas is from Christmas Lodge. The card base is Cherry Cobbler, and the dsp on the side panels is Letters to Santa. I added Mica "snowflakes" to bling it up!
Directions for the card base are on Julie's blog here: