Hello friends I will show how create a stock vector illustration photo frame images tutorial.
I have used following techniques shown below in this 3ds max tutorial.

[1]-Choose the rectangle and create rectangle with the following size
     Open the rendering palette and use the following setting
stock-vector-illustration-photo-frame-images1

stock-vector-illustration-photo-frame-images2

[2]-Place the rectangle like me
stock-vector-illustration-photo-frame-images3  

[3]-Create another rectangle with the following size and place like me
stock-vector-illustration-photo-frame-images4

stock-vector-illustration-photo-frame-images5

[4]-Convert the rectangle into the editable poly and select the edges
     Now apply the chamfer edges with the amount of 0.26
stock-vector-illustration-photo-frame-images6

stock-vector-illustration-photo-frame-images7

stock-vector-illustration-photo-frame-images8 

[5]-Your object should like this
stock-vector-illustration-photo-frame-images9

[6]-Create rectangle with the following size and place like me
stock-vector-illustration-photo-frame-images10

stock-vector-illustration-photo-frame-images11

[7]-Put the any map into the diffuse and bump map as shown below
stock-vector-illustration-photo-frame-images12

[8]-Create materials like me
stock-vector-illustration-photo-frame-images13

stock-vector-illustration-photo-frame-images14

[9]-This is my final result
       I hope you will like it thanks for listen
stock-vector-illustration-photo-frame-images15