How can I creat my own Frames for the Pentax Optio M20?

Electronic cameras don't like frames. It's really hard to jam them into the card slots. I've broken cameras trying to insert chrome frames. I think next time I'll just use an imaging program to add frames after I take the pictures. Why I was so stupid to try and put frames into the camera I don't know. I guess I didn't realize that the camera is for taking pictures not framing them...