A server including a processor to receive an electronic photo having at least one face from a user and compare the electronic photo with a template having a design element, and a computer implemented algorithm. The processor compares the electronic photo to the template and determines if the face is overlapped by the design element or if the face is cropped out of the photo slot. The processor presents the template combined with the electronic photo to the user only if the design element of the template does not overlap the face in the electronic photo. Multiple templates are compared to the electronic photo, and the templates are displayed based on a priority using criteria.