A customized document is created at an end user local computer by utilizing a plug-in program installed within a web-browser of the local computer to access and request from a memory device, such as an Internet server, a pre-prepared and unalterable document layout and desired pre-prepared document content, including a graphics image, text, and image and text orientation. The end user in some instances is able to specify the text, select its font type and size, and import end user provided digital image. The graphic image may be edited at the local computer. The document request is fulfilled using the plug-in to interface with the memory device and retrieve the necessary document layout and content, and the user is provided the option of saving the document at the local computer-e-mailing the document, or printing the document using a printer connected to the local computer.