I made it with PSP: & &

Supplies:

Filters / Plugins:
Graphics Plus / Emboss:
Graphics Plus / Cross Shadow:
Xero / Sparkles:
Nik Software / Color Efex Pro 3.0 Complete:

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 / 1024 x 500 px / transparent

Selections / Select all

open file: fond.jpg

Edit / Copy
close it again
back to your selection

Edit / Paste / Paste into selection

Deselect

Effects / Plugins / Graphics Plus / Emboss:
0 / 0 / 0 / 0

02) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection from Disk:

open file: fond2.jpg

Edit / Copy
close it again
back to your selection

Edit / Paste / Paste into selection

Deselect

Effects / Plugins / Graphics Plus / Cross Shadow:
default settings

Effects / 3D Effects / Drop Shadow:
3 / 3 / 100 / 9 / black
-3 / -3 / 100 / 9 / black

03) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection from Disk:

open file: fond3.jpg

Edit / Copy
close it again
back to your selection

Edit / Paste / Paste into selection

Deselect

set blend mode of this layer to: Soft Light

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

Layers / Merge / Merge Group

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

Layers / Merge / Merge Group

Effects / 3D Effects / Drop Shadow:
3 / 3 / 100 / 9 / black
-3 / -3 / 100 / 9 / black

Layers / Merge / Merge Visible

04) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection from Disk:

open file: post-38-1111695768.jpg

Edit / Copy
close it again
back to your selection

Edit / Paste / Paste into selection

Deselect

Effects / 3D Effects / Drop Shadow:
3 / 3 / 100 / 9 / black
-3 / -3 / 100 / 9 / black

05) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection from Disk:

open file: Image4.jpg

Edit / Copy
close it again
back to your selection

Edit / Paste / Paste into selection

Deselect

Effects / 3D Effects / Drop Shadow:
3 / 3 / 100 / 9 / black
-3 / -3 / 100 / 9 / black

Effects / Plugins / Graphics Plus / Emboss:
0 / 0 / 0 / 0

set opacity of this layer to: 50

Layers / Duplicate

Image / Mirror

set opacity of this layer to: 72
and blend mode to: Hard Light

06) activate the third layer from above (Raster 1)

activate your eraster tool (rubber):
size: 100 / hardness: 0 / opacity: 100

remove yellow background as shown below:

Layers / Merge / Merge Visible

07) add your watermark and name

Image / Add borders / 1 px / black

Effects / Plugins / Xero / Sparkles:

Effects / Plugins / Nik Software / Color Efex Pro 3.0 Complete:

File / Export / JPEG Optimizer