|5-Photo Frame, also avail. in Black|
Although I've created these files for use in photoshop, I realize that not everyone uses photoshop so the files are also available as .png files with transparency for the photo placements. Unfortunately, with the .png files, you won't have as much flexibility for changing the frames as you would with the .psd.
Using the .png file is much the same - while you do not need photoshop to use it, you will need an editing program that is capable of handling layers. Open the .png in your program, and duplicate that layer so you have two layers. Move down to the bottom layer (or background), and then begin placing your photos - one on each new layer under the frame.
To download the files for these free photoshop frame templates, please visit the Frames & Templates page on Free-3d-Textures.com.