Mask is from phylsMask

 material 

 Foreground color on eca513
Background color on e74300

1

open an sheet from 650x450
Flood fill with your foreground color

2

New Raster Layer
Flood fill with your background color

3

open your mask Autumn and minimize it.
Layers - New Mask layer from Image
Activate masker autumn
Source Luminance and Invert Mask checked
Click ok

Layers - Merge - Merge Group
Adjust - sharpness - sharpen

4

Activate raster 1 and add a New Raster Layer
Activate your selection tool - rectangle
select the inside from your frame
If you start your selection in the right coroner you will get an nice selection

5

open AutumnSerenityBomen and copy it
Back to your sheet and paste into selection, select none
Opacity on  59

6

Activate your bottom Layer and duplicate
Effects - Texture effects - Blinds
Width 4
Opacity 100
Color e74300
Horizontal and Light from left/top both checked

7

open your tube KS_Autum-15-10-2008 and copy
Paste as new layer on your sheet  - Mirror
Resize with 50% all layers not checked
move to the left inside your mask against the edge
Opacity on 79
Adjust - sharpness - sharpen
Drop shadow 2-2-50-5-black

8

open Fall Leaves sm psx_mas_9-02
Activate Freehand selection - Freehand and select your leaves one by one

Copy  - Paste as new layer on your sheet - Select none
Repeat this untill you have all the leaves you want on your sheet and move them on a nice place 
With your Raster Deform tool you can make them smaller and turn,the way you want them

9

When you are happy with your results close the two bottom layers and Merge the others visible

Drop shadow 2-2-50-5-black
Opacity on 75
open all your layers

Layers - Merge - Merge All (Flatten)

10

Image - Add Borders - 1 background color

11

New Raster Layer and add your watermark
Image - Resize - 650 width
Layers - Merge - Merge All (Flatten)
Save as JPEG

I hope you liked the lesson
This lesson was written on 25-10-2008 by Sandra

Lesson was tested by Hieke