If you would like to learn how to use a layered template, check out Steph’s free class “Scrapbooking with a Digital Template” by Steph at Big Picture.
Misty Cato has a tutorial HERE on using templates. She some extra tips available HERE.
Here are some more posts on using templates:
Two Page Layouts and Templates
10 Reasons to Love Templates Part 1
10 Reasons to Love Templates Part 2
10 Reasons to Love Templates Part 3
Creating Your Own Layered Template
Combining Templates to Match Your Style