The others are right--in spite of the fact that the forms all say photos are required, if there are already photos on the AMHR papers, you do not have to send in new ones when you send in paperwork. Gelding certificates, transfers, even temp. to permanent, if there are photos on the papers you do not need to send new photos. You don't have to phone in to get this "deal"--that's just the way it works!
I think they will update the photos for no extra charge if you send new photos in with your permanent application. However, if you want to update the photos otherwise, even if it's at the time when you send in a gelding certificate or a transfer, you have to pay the $20 update fee. I haven't done it so could be wrong on that, but I'm sure that's what someone else told me after they asked for a photo update at time of gelding.