If you want to send a collage of holiday photos to someone today is a good time to visit iTunes to get Photo Wall which is free for a limited time.
Here is a link that gives you a good description of what you can do with the Photo Wall app. I downloaded it and played with it for a few minutes and I’m happy with the results.
Here are a couple of collages I made from pictures on my photo roll, with backgrounds and clip art from the Photo Wall app.