One image. Paint the photo windows in #a07979, or export it with those areas already transparent — either way they get punched out and everything else on the card stays in front of the photo.
PNG keeps transparency. JPG is fine if you're using the key colour.
Drag a window to move it · drag its corner to resize · double-click to delete.
A normal frame design is artwork with photos dropped into windows on top of it — which means anything the artwork drew inside a window gets buried the moment a photo lands there. A cut-out card turns that round.
A coloured fringe round a photo means blended pixels survived the key — the rim where #a07979 met the artwork is never a clean edge, and a JPEG smears it wider. Raise Trim the halo by a pixel or two; it widens the hole so that rim goes with it. Windows missing entirely usually means the tolerance is too low for a JPEG. If the card has neither key colour nor transparency, switch the toolbar to Draw window and drag them on by hand.
Photos fill their window rather than squash into it, so a tall window will crop the sides of a 4:3 shot. That's the same behaviour as every other template in the booth.