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Make the colour foto the back ground or lower layer.
Select all then copy paste into a second top layer.
Make the top layer mono chrome via the image menu
Do a cirular marque selection on the mono top layer (the foto you've shown has a circular cut out but you can select any shape via the marque tools)
Press delete.
And there ya have it
All you need to do now is save for the web and the duo layer image combines into 1
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