I can only use PNG Templates with my software and I can not use styles, so I improvised using a variety of products for this challenge. Its not perfect but I tried

FotoBlendzFreeARTSample by Anna Aspnes Designs;
May Photo Mask by Indigo Design;
Everyday Life Artsy Bits A & B by NBK Design;
Everyday Life Paper Pack-Design by NBK Design;
Little Dwarfs Splatters by NBK Design;
Every Little bit Fame by NBK Design;
Free Mini Painters Box-PatternPP by NBK Design;
Art Paper Overlay Blog Freebie by Vickie Robinson;
Gessoed Things 1 by Vickie Robinson;
Doily Brush by Courtney's Design;
Template Freebie by NBK Designs