Free Photoshop Plugin: PhotoFrame From OnOne Software
Instead of offering a demo version, OnOne software decided to give away slimmed down versions of their software that you can actually use forever.
This Free edition of PhotoFrame includes 30 professional-grade edges, backgrounds, textures and adornments, that you can combine to create beautiful compositions.
Besides applying a border effect, this plugin lets you create full layout effects and save them as templates that you can reuse with great flexibility.
But, hey, this plugin is FREE. Just go, download it, and decide for yourself.