I found this place really neat, I think I put this on before, but this is where I found all the frames that I put on the christmas card pictures and you can also put your own pictures in making up your holiday, birthday etc cards. It's called
photoisland.com
you have to join it, but there is no charge and you can do many things with your pictures, you can also have a free album to add pictures to, and like I said it's free now but I don't guarantee the future.
Jackie