After having uploaded a picture to the editor...
#1 select the filter icons :
#2 Choose from the list : the filter(s) you want to apply to your photo.
You can add multiple filter to a picture.
To erase all filters just go to undo filters.
#3 Add banners to your picture :
Choose the banner icon, then choose a color and a transparency value.
Then choose a banner position (top, middle, bottom) to apply banner to photo.
Mixing photo filters with banners , adding differents text effects
will help you to create a design.