Can't believe I closed the original PSD without saving it! So I hope I remember everything I used!
Anna Aspnes at Oscraps:
Mask: AASPN_OriginalFotoBlendz11_2
Brush: AASPN_DottedKNE1
Blended papers: AASPN_ArtPlayPaletteBlossom_ArtsyPaper6
AASPN_ArtPlayPaletteBlossom_ArtsyPaper4
AASPN_ArtPlayPaletteBlossom_ArtsyPaper2
Overall texture, mine.
Torn card texture on photo composite: Playing With Brushes