A method of combining at least one customer generated digital image to form a merged image and/or text with at least one prestored digital image. The prestored digital image has a predetermined location where the customer generated digital image may be placed. A design characteristic is determined from an item to be associated with the merged image. The customer generated digital image or the prestored digital image is modified in accordance with the design characteristic so as to form a first modified digital image that is then combined with the other of the customer generated digital image or the prestored digital image so as to form a newly merged digital image. The newly merged digital image is the merged image sent to an output device for printing. Alternatively, a product to be used with or associated with the merged image is automatically selected in accordance with predetermined color relationship with respect to the color of the customer generated image, the prestored digital image and/or merged digital image.