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This simply means that the aspect ratio of
your images is different than the pre-sized
templates.

If you notice the text that accompanies each
template.....with the exception of the contact
sheet they all say "Cropped to fit"

Not only that but if you use the...4x6-two prints
per page...you will notice that it does not Auto
Rotate. So...if you place two "Portrait" images
on two "Landscape" templates they will really
be chopped off. To get around this you would
have to rotate the images before printing.

Here's an article about Aspect Ratio that may
be useful:

Aspect Ratio and unexpected cropping
http://tinyurl.com/ebwi

If you purchase a full featured image editing
program like Picture It! / Digital Image Pro 9
you will have many more options. You can
even adjust the position of the images in the
templates with your arrow keys.