Artsy Layered Template #211 https://www.oscraps.com/shop/Artsy-Layered-Template-No.-211.html
Fotoblendz Overlay 15 https://www.oscraps.com/shop/FotoBlendz-Overlays-No.-15.html
Background: Artsy Artplay Palette Artsy Paper #1 https://www.oscraps.com/shop/ArtPlay-Palette-Artsy.html & Posy APP Artsy Paper #1 https://www.oscraps.com/shop/ArtPlay-Palette-Posy.html
Word Art: Seasons #1 https://www.oscraps.com/shop/Seasons-WordART-Mix-No.-1.html
Beaded Threadz: Happy wordart mix https://www.oscraps.com/shop/Happiness-WordART-Mix-No.-1.html
Water: MultiMedia Rain #1 https://www.oscraps.com/shop/MultiMedia-Rain-No.-1.html
Button: Splash Artplay Palette https://www.oscraps.com/shop/ArtPlay-Palette-Splash.html
Photoshop Elements 14
I enlarged the template's frames for three of my photos and then clipped the fourth to the Fotoblendz overlay. I used the rest of the template as is, clipping an Artsy Paper to one of the template's paint layers. Lots of the multimedia rain elements completed this layout for my grandson's memory book.