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*note: the black borders are not part of the templates.
Here is a picture to help show you how to use this. Click on the picture to see it bigger.
When you download this you are going to save it to a folder just like you would a photo. Open your photo and the awesome b+w. Then click on the b+w to select it (the top bar will be blue). Make sure your layers palette is open (upper right hand corner). Now click on the top layer (the one that's blue in this picture), and while holding down the mouse button, drag it onto your photo. That's it!
Shannon Smith of 831 Photography sent in this example using the texture. Be sure to check out the great video tutorials on his blog, No Mac, No Cheese. Great work as always Shannon, and thanks for sharing this!