Thank you for your questions about working with custom banner images and adding images in the content area. The default banners for that template contain the scalloped blue border you see. You can use photo editing software (GIMP, Adobe PhotoShop, etc.) to add that scalloped border (or a similar graphic element) to the bottom of your image.
I apologize for any confusion about adding images to your content, but you shouldn't need to write any code in order to add images. In Step 4 - Edit you should see an image button located in the menu bar of the builder. By clicking on the image button you will be prompted with the Image Properties dialog. By clicking on the Browser Server button you can then upload images from your local computer to the server and insert them into your content.
For more information on adding images to your site's content, please see the How do I add pictures to my website? section of our article on adding content in the Premium Website Builder.
Please let us know if you have any additional questions or need further assistance.
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