Start with a new 10" x 8" 300DPI, transparent background canvas.

TIP: For lines,  gradients and brush -- hold the shift key down or hit shift key @ end before letting go to make it straight.
Do a Save as you go!

Create top & bottom border:
1. To create the top & bottom black borders across the collage: 
Bottom border: Add a new layer then click on Create new fill or adjustment layer > select Solid Color (black).   Click on the Layer Mask thumbnail ; select the Gradient tool and using a black/white gradient > drag it down bit more than 3/4 of collage
    



Repeat with another new layer of solid black to create the top border. Drag gradient up bit more than 7/8 of collage.
The border layers will be above the photos, color layers and long narrow vertical rectangular layers but below the horizontal lines and text.

2.  We are going to "paint out" some the extra gradient using a large soft brush about 400 to 500 px, with Foreground color set to Black and Background color set to white.  On the top border layer mask thumbnail paint out all but the top 7/8 or so.  On the bottom border layer layer mask thumbnail paint out all but the bottom 3/4 or so.  On both keep the border edge soft.
                    




Adding photos:
3. Open your photos and using the crop tool set to height 8 in x 2 in wide and 300DPI, select the part of the photo you want in the collage. Copy and paste or drag into collage. Using the Move tool, move to about where you want it (it can be moved again later).

Repeat for the other 2 long & narrow photos.

Adding color over photos:
4. To add color over photos: copy that photo layer -- do a control click on the layer thumbnail of the photo copy layer;  then Edit > Fill Selection -- set to Use: Color ; Blending Mode: Normal ; Opacity: 100% hit OK. Then change this layer from Normal to Color and lower the Opacity to about 70%. Repeat for other 2 photos using different colors.

          
If needed move the photos and their colors to where they look equal across the collage, spaced apart a bit. Like in the sample.

Adding vertical lines:
5. Use the Rectangular tool to add a long and very narrow vertical black rectangles to fit and just a bit overlap the narrow photos. Add a drop shadow layer style. Make 3 copies of this layer (4 total) and move one to the right edge, move one to the beginning of the 1st narrow photo and the 3rd one between the 2 photos you don't have one set yet. These rectangle layers should be above the photo and color layers but below the top & bottom borders.

6. Add a larger 8 in x about 4 in photo, this layer should be below the other photos.

Adding horizontal lines:
7. Use the line tool to add horizontal line about 25 px wide. Can be any color but black. Add a layer mask to the line layer.  Select the Gradient tool and use a black/white gradient > drag it to the right bit about 1/4 of the collage.  Make 2 copies of this layer and move the same areas in the sample.



8. Add your text, select any font you like, text color dark gray and use a soft white or light gray outer glow layer style. Move to where you like it and done!


The borders layers will be above the photo, color layers and long narrow vertical rectangular layers but below the horizontal lines and text. Move to where you like it and done.



Be sure to save it!

These instructions for those familiar with Photoshop Elements and can be done in Photoshop too.

NOTE: For personal use only and not to be sold.
Althought I did personally design this collage for my daughter, I do also design templates for Templates Unlimited by ArtisticAction.com and they offer this as a template set called Pro Lines, in comes in different sizes.