Welcome to GCU, Frances,
This is a link to the Artist Resources on the GCU Community Blog which has tons and tons of 'how to' for newbies.
This the Notes to Reviewer clear and concise:
https://gcucommunity.com/2012/11/19/dash-of-inspiration-note-to-reviewer/ In a nutshell:
"1) If the photograph or artwork is yours … in other words, you have not used elements from any 3rd party creative, then at the very least you should state something like this:
“Artwork/Photograph is my own and I hold the copyright”
2) If you have created a card with some of your own creations and added some elements from other creators, then your Notes to Reviewer should look something like this:
“The photograph is my own. Additional elements are from: GoodiesRUs.get here: (insert a link to the actual item you used), and their TOU are here: (insert a link to their TOU).”
OR
“The artwork is my own. Added elements were purchased from … where I hold a Commercial Use License and/or Membership.”