Process | (page 1)I clipped photos and artsyKardz to the masks. I deleted the bottom right mask and replaced it with the MagicSnow FotoBlendz and clipped my photo to that. I also added a trasfer over top of it.
(page 2) same as above except for one of the photos I clipped to the .psd version of a 4x6 artsykardz lessings first then added it to the template.