Qimage Ultimate has a feature in the image editor that enables images and prints to have decorative masks and frames. These are images and can be created in a graphics program.
A cutout can have various levels of transparency and automatically adjusts to any image or print cropping and size, as do Frames.
NB. like any Qimage edit to an image, the original image is not affected because the edit parameters are stored in a small file alongside the image and applied when the image is opened or printed with Qimage.
A cutout covers the image but a frame surrounds the image.
http://www.ddisoftware.com/qimage-u/
This gallery is a collection of Cutouts and Frames applied to an image to illustrate their appearance.
The collection includes Cutouts that are supplied with Qimage Ultimate, some created by other QU users and those created by me.
Some cutouts/frames are very similar to each other, the images below give some idea of their subtle differences.