Artsy Layered Template 101: http://www.oscraps.com/shop/product.php?productid=43525&page=1
ArtPlay Palette Autumn Crisp: http://www.oscraps.com/shop/product.php?productid=27621&page=1
Reflections Word Mix: http://www.oscraps.com/shop/product.php?productid=45148&page=1
Multimedia Leaves 2: http://www.oscraps.com/shop/product.php?productid=28721&page=1
-Also-
Layered Edge Overlays 2: http://www.oscraps.com/shop/product.php?productid=30612&page=1
Antiquated Frames 1: http://www.oscraps.com/shop/product.php?productid=30386&page=1
ScriptTease Remember 1: http://www.oscraps.com/shop/search.php?mode=search&page=1
Process:
I used paper and a transfer from Artplay Autumn Crisp.
I deleted the extra parts of the template I didn't use such as the extra small frames.
I duplicated the transfer several times, rotated and blended above my picture to get the color showing through that I wanted, reducing opacity as needed.
Added wordart and same apple transfer off to the side.
Duplicated MM Leaves and reduced opacity
Framing: I layered the 3 frames, blended and erased some of the script from ST Remember on top.