Paste one or three images above the background layer. Use edit-transform (while holding shift to constrain proportions) to size the image under one of the openings.
Delete the excess image that may show in another opening.
Use the Hue/Saturation adjustment layer to change the color of the Triptych Mat. You may choose to not use the Triptych Mat layer and just paste a 3" X 5" image in the template.
You can change the date each year using the find and replace text tool. The finished piece will print 4" X 6". If you want to get real creative you can use this template to make an Out-of-Frame by showing part of the image over the frame border. Flatten then print at home, order prints or email to friends and family.
The mat can be easily modified to create different collage compositions.