header ("Content-type: image/jpeg");

$image1Url = "background.jpg";
$image2Url = "image.jpg";
$image1 = imageCreateFromjpeg($image1Url);
$image2 = imageCreateFromjpeg($image2Url);

imagecopymerge($image1, $image2, 10, 10, 0, 0, 130, 130, 100);

$line1 = "This is the first line";
$line2 = "This is the second line";
$font = "./VERDANA.TTF";
$white = imagecolorallocate($image1, 255, 255, 255);
$yellow = imagecolorallocate($image1, 252, 205, 5);

imagefttext($image1, 14, 0, 150, 110, $yellow, $font, $line1);
imagefttext($image1, 14, 0, 150, 135, $white, $font, $line2);
Imagejpeg ($image1, NULL, 100);

ImageDestroy ($image1);
ImageDestroy ($image2);