Free photo frame download?

Hi guys…I use the Picasa 3 photo program but I wonder do you know of a program whereby I could frame my photos to print and email.  Something simple.! I tried the Serif but the additional effects you have to pay for and I have this phobia regarding using my credit card online.  If you know of one that I could download and then I suppose I would transfer the photos I want to frame to it, I don’t know how that would work, but I would appreciate your help…Thank you  :smiley:    By the way, you recommended the Picasa 3 program and it is GREAT…Thanks again  !!

Frame masks are listed under “Edit” for the above

Both have free versions.