I made it with PSP: &

Supplies:

Important:
put the two pspselection files into your PSP folder: Selections
put the file: gabeemask44.jpg into your PSP folder: Masks
put the file: MD-silverpattern.jpg into your PSP folder: patterns

Filters / Plugins:
FM Tile Tools / Blend Emboss:
Greg's Factory Output Vol. II / Pool Shadow:

You are welcome to take this nice sunflower with you, it shows you always where you are (just click and drag) Have Fun!

tutorial tested by:

01) File / New / 600 x 400 px / transparent

flood fill this picture with: black

02) Layers / New Raster Layer

flood fill this layer with this pattern:

Layers / Load/Save Mask / Load Mask From Disk:

Layers / Merge / Merge Group

Effects / Plugins / FM Tile Tools / Blend Emboss:

Layers / Merge / Merge Visible

03) activate your magic wand tool / tolerance: 20-25
select the left rectangle with it

Layers / New Raster Layer

open the image: jardin.jpg

Edit / Copy
close it again; we don't need it anymore
back to your selection

Edit / Paste / Paste into selection

Layers / New Raster Layer

Effects / 3D Effects / Cutout:

Layers / Merge / Merge Down

Layers / New Raster Layer

Effects / 3D Effects / Cutout:

Deselect

Layers / Merge / Merge Down

04) Layers / Duplicate

Image / Mirror

position it as shown below:

Layers / Merge / Merge Visible

05) activate your magic wand tool / tolerance: 20-25

select the middle rectangle

Layers / New Raster Layer

set your FGC to: #388188

flood fill with the FGC

Effects / Plugins / Greg's Factory Output Vol. II / Pool Shadow:

Effects / Texture Effects / Blinds:
colour: #23393a

Effects / Edge Effects / Enhance

Deselect

06) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection From Disk:

flood fill selection with your FGC: #388188

Effects / Plugins / Greg's Factory Output Vol. II / Pool Shadow:

Effects / Texture Effects / Blinds:
colour: #23393a

Effects / Edge Effects / Enhance

Deselect

Effects / 3D Effects / Drop Shadow:
&

07) activate your mesh warp tool:
PSP 8 & 9:

move the nodes as shown below:
.

press the key A on your keyboard

Layers / Duplicate

Image / Mirror

Layers / Merge / Merge Down

08) activate layer under it: Raster 1

activate your pick / deform tool
PSP: 8 & 9:

drag the middle node a little bit downward:

Effects / 3D Effects / Drop Shadow:
&

Layers / Merge / Merge Visible

09) open the tube: boucle.psp

Edit / Copy
close the tube again; we don't need it anymore
back to your picture

Edit / Paste / Paste as new layer

position it as shown below:

Effects / 3D Effects / Drop Shadow:

Adjust / Sharpness / Sharpen More

Layers / Duplicate

Image / Mirror

Layers / Merge / Merge Visible

10) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection From Disk:

flood fill selection with your FGC: #388188

Effects / Plugins / Greg's Factory Output Vol. II / Pool Shadow:

Effects / Texture Effects / Blinds:
colour: #23393a

Effects / Edge Effects / Enhance

Deselect

Effects / 3D Effects / Drop Shadow:
&

Layers / Merge / Merge Visible

11) open the tube: ruban.pspimage

Edit / Copy
close the tube again; we don't need it anymore
back to your picture

Edit / Paste / Paste as new layer

position it as shown below:

Effects / 3D Effects / Drop Shadow:

set the blend mode of this layer to: Luminance (Legacy)

Layers / Merge / Merge Visible

12) open the tube: cdb_femme105.psp

Edit / Copy
close the tube again; we don't need it anymore
back to your picture

Edit / Paste / Paste as new layer

move it a bit downward

Effects / 3D Effects / Drop Shadow:
&

13) Image / Add borders / 2 px / colour: black

Image / Add borders / 4 px / colour: #388188

select the 4 px border with your magic wand tool

Effects / Plugins / Greg's Factory Output Vol. II / Pool Shadow:

Deselect

Image / Add borders / 2 px / colour: black

add your watermark and name

File / Export / JPEG Optimizer