The left image is the Snowman from the Holiday Blitz brush set, in Night of Navy, with a default drop shadow. The effect is a frosty look on the snowman part of the image. On the right, I used the Snowflake from the Best Wishes & More brush set, also in Night of Navy, set to 19% opacity.
The “Ready, Set, Snow!” sentiment is Sentiment 3 from Best Wishes & More, in Night of Navy. The “To – From” sentiment is from A Holly, Jolly Christmas, also in Night of Navy.