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Hi Stephen, I think I know what you mean, and it's not too difficult.
Open the image in Photoshop CS5 and duplicate the layer.
Next select Image....Canvas size, and increase the width and height to the size you want. Select the border colour from Select Extension Color in the Canvas Size dialog box. Click Ok when done.
Next select the text tool and type what you desire in the border you just created.
You will notice that several new layers have been created in this process so you need to flatten the image, save and your done.
Hope it helps.
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