Credits:
Artsy Layered Template No. 203 by Anna Aspnes http://www.oscraps.com/shop/Artsy-Layered-Template-No.-203.html
ArtPlay Palette Summer Breeze by Anna Aspnes http://www.oscraps.com/shop/ArtPlay-Palette-Summer-Breeze.html
Summer WordART No. 2 by Anna Aspnes http://www.oscraps.com/shop/Summer-WordART-No.-2.html
UrbanStitchez No. 5 by Anna Aspnes http://www.oscraps.com/shop/UrbanStitchez-No.-5.html

Process: I opened Artsy Layered Template No. 203 and placed two artsy papers from ArtPlay Palette Summer Breeze as the background. I clipped these together and changed the blend mode to Darken. I used layer masks when I erased parts from each of them. I added the photo and clipped it to two paint layers on the template. I left the photo frames and deleted the masks and shadows. I placed stitchings to both frames from UrbanStitchez No. 5. I recolored all layers with stain to white and erased parts of the texture over the photo. I placed a transfer in the top left corner and an overlay on the right side. I finished the layout with embellishments from ArtPlay Palette Summer Breeze and the title from Summer WordART No. 2.