I made it with PSP: &

Supplies:

note:
- put file: Corel_15_039.bmp into your psp folder: textures
- put file: Image5.jpg into your psp folder: masks

Filters / Plugins:
Alien skin Xenofex 2 / Burnt Edges:

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:

Thank you Margit for your wonderful tubes:

01) File / New / 700 x 600 px / transparent

set your FGC to: light colour (#d1cba8)
and your BGC to: dark colour (#a68a6d)

flood fill with your dark BGC

Effects / Texture Effects / Texture:
Texture: Cores_15_039

02) Layers / New Raster Layer

flood fill with your light FGC

Effects / Texture Effects / Texture:
Texture: Cores_15_039
same settings

Layers / Load/Save Mask / Load Mask from disk:
Image5.jpg

Layers / Merge / Merge Group

03) activate selection tool / rounded rectangle

draw a selection as shown below:

Selections / Invert

Edit / Cut (delete key)

Selections / Invert again

Effects / Plugins / Alien Skin Xenofex 2 / Burnt Edges:

Deselect

Effects / 3D Effects / Drop Shadow:
0 / 0 / 50 / 15 / black

04) open tube: MMDesignz_Si 324290.pspimage

Image / Resize: 60%

Adjust / Sharpness / Sharpen

Edit / Copy

Edit / Paste as new layer

position as shown below:

Layers / Arrange / Move down

Layers / Duplicate

activate layer under it

Adjust / Blur / Gaussian Blur: Radius 20

activate layer over it again

Layers / Merge / Merge down

05) activate top layer again

open tube: MMDesignz_Si 325290.pspimage

Image / Resize: 40%

Adjust / Sharpness / Sharpen

Edit / Copy

Edit / Paste as new layer

position as shown below:

Layers / Arrange / Move down

Layers / Duplicate

activate layer under it

Adjust / Blur / Gaussian Blur: Radius 20

activate layer over it again

Layers / Merge / Merge down

06) Layers / New Raster Layer

Selections / Select all

flood fill with your light FGC

Selections / Modify / Contract by: 2

Edit / Cut (delete key)

Effects / Plugins / Alien Skin Xenofex 2 / Burnt Edges:

Deselect

Effects / 3D Effects / Drop Shadow:
0 / 0 / 50 / 15 / black

07) decorate your picture with your deco tubes: PaperMessages&Accents~LM.psp

Effects / 3D Effects / Drop Shadow:
0 / 0 / 50 / 15 / black

don't forget your watermark and name

Layers / Merge / Merge all

File / Export / JPEG Optimizer