This might help, have a look (Its a very old version but still relevant)
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To add on what Lexi said (This is In graphics mode only)
Edit your card, when your happy with it and your going to save the card Press F5 and load the desired preset (these have a folder in hs2 main directory) goto lighting tab, pick desired lighting effect (These are cubemaps and have a folder in the main HS2 directory) .Then pick the background picture and card frames if you want to use them. Tweak lighting to your taste using the sliders.
And .preset files you download go into hs2/presets any cubemaps you download go in hs2/cubemaps
Save card