I made this for hybrid challenge:
I used Kathy Winters Designs' An Elegant Day (I converted the aqua in a few elements to b and w)
https://store.gingerscraps.net/An-Elegant-Day-by-Kathy-Winters-Designs.html
Template: Gift Card Bag Template by Sandy Pie Creations
https://forums.gingerscraps.net/showthread.php?20337-December-Hybrid-Challenge