These can be any size or color you choose

NOTE: changing to a vertical mode could require a bit of fussing.
However you can enlarge either one or change the proportions, font, font size and rectangle
colors to whatever you wish.

The colored one just shows that it works,but it is usableand editable as it is.
If you don’t like the deckle edge or shadow you do not need to use them, simply ungroup and
delete the deckle shape.

The text on and the light gray rectangle are grouped so you need not do anything other than fill with your photo.

Save the finished document (xar) to somewhere you can get to it as needed, such as a Xara template folder
anywhere you would like to keep them.

see attached xar

Click image for larger version. 

Name:	photo template (2).jpg 
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Photo template.xar