The top half is printed with "On Lake Time". The bottom half is up to you. Specify one line of script and one of all caps, each up to 16 characters. Family name, town and state? Family name, "Established" year? The name of your cabin or lake? A special message? Poly-cotton with removable polyfill insert. Small 14" square, large 16". Imported. No rush delivery or gift box. Specify Small or Large.