A few things to know...
1. You will need Photoshop or Photoshop Elements!
2. Don't have Photoshop or Photoshop Elements? I know a lovely and talented designer who will customize them for you and your business for $7. You can pay for her to customize it here. Her name is Lisa and she is a very sweet lady!
3. If you are new to Photoshop Elements, check out this great tutorial on using clipping masks from Everyday Elements. Amanda does an amazing job of helping explain how to put pictures in place! We also have a video available here from another template giveaway.