A simple template using a blurred out photograph as the background for a collage of three photos. 

I used different parts of the same photograph but this technique could just as easily be used for adding three different photographs to the frames.

Check out Layers magazine photoshop tutorial on how to create a template using clipping masks and layer styles for your own photo composites.
http://www.layersmagazine.com/photo-composite-template.html

Cheers Sue