I found a couple more by just Googling
This one has speech bubbles:
http://www.phixr.com/photo/userindex
http://www.befunky.com/
http://pixenate.com/index.php

This one is very nice:
http://fotoflexer.com

This one has animations:
http://www.lunapic.com/editor/

http://photofunia.com/

http://photomica.com/

This one is cool:
http://www.festisite.com/money/
Put your face on money.

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