I believe I saw a post several weeks ago in which it was claimed that I could download a free plug-In I believe was called JetPack – I think it was a necessary download to permit complete customization.
Is this true? If not, please clarify this issue.
Also – how do I install JetPack? Where do I install it?
With http://fivecardstud.wordpress.com/, you do not need Jetpack because all of its capabilities are built in here. Jetpack was designed by WordPress.com for use on self-hosted wordpress installations.
To customize using CSS, you need the Custom Design upgrade here. It allows you to make customizations via CSS and also use the Typekit online fonts.