1.
Open new transparent image 700x700.
Set the foreground color on #e79d3c - fill the layer with this color.
Effects - Texture effects - texture - gras - with this setting.

2.
Open Emmymask - copy - paste on the image.
Set the opacity of this layer to 35.
3.
Open 4x4 - copy - paste on the image.
Place ir left at the top.
4.
Open sinterklaas - copy - paste on the image.
Place it left at the top in the square.
5.
Open DI_sint chocolade3 - copy - paste on the image.
Place it right at the top in the square.
6.
Open sint-chocoladelolly - copy - paste on the image.
Place it left at the bottom in the square.
7.
Open banketstaaf- copy - paste on the image.
Place it right at the bottom in the square.
8.
Open sinterklaas cadeau- copy - paste on the image.
Place it left the bottom.
Give a drop shadow - with this setting.

9.
Open Emmy tekst - copy - paste on the image.
Place it such as the example.
10.
Open the poser tube - copy - paste on the image.
Place it right at the bottom.
Layers - merge - merge all layers.
11.
Effects -plug-inns - AAA Frame - Foto Frame - with this setting.

Image - add border 2 pixels symmetric - with this color #c50000.
12.
Layers - new raster layer - set your watermark into the image.
File - export - JPEG Optimizer.
Ready is the tag
I hope you like this tutorial.
greetings Emmy
Thank you Ingrid for testing.