The borders you need to add yourself during editing. As for characters, they have been some in the past that were addable as borders (things like Mickey waving at you from the corner) but most are "magic shots" that are done by Photopass shortly after they take your picture. Many photographers will have you do something that seems silly like "Pose holding your hand out here" and then when you get home Tinkerbell is sitting on your hands. Most do this without having to be asked, but some guests ask "Can you do any magic shots?" when they get pictures taken to increase their chances. Not every photographer can do magic shots (Good rule of thumb - if they have a tripod, no magic shots) and not every shot can be done by every photographer or in different locations. Some are exclusive to a particular park/land like AK is the only place to get a shot of your group holding baby Simba.