Sorry this is blurry. It says, "See you made it through another year without croaking!"
Frog Card: Jillibean Soup (White Bean: Cold Water), Unity Stamp Co. (Sweet Affections), Swiss Dots embossing folder, Core'dinations and Gina K. cardstock, May Arts ribbon
Frog Card Inside: Scalloped and Regular Nestabilities, Penny Black Stamp
Owl Card: DCWV (The Green Stack), Gina K Cardstock, Corrugated Kraft Alphas (Jillibean Soup), jute twine, Scor-Pal (to emboss lines on PP)