Step Three: Once you have clicked on the move tool, you need to move it to to the overlay. Clcik on the overlay and drag it over the photo and let go. It should be inside the photo file!
Step Four: You will need to shift it to fit. The overlays are made to fit 12x12 layouts but you CAN make them fit 6x4 photos or any other landscape/portrait sizes. To do this you will need to make sure you are on the layer containing the overlay and then press CTRL+T (pc) or APPLE+T (mac). This allows you to resize the overlay on the photo correctly.
Then follow step 2-4 as above to give you this:
Hope this is of some use to y'all