For the word "kiss" in the title, I clipped a white paper with pink paint from ConnectionKeeping to the letters and set the blend mode to Darker Color.

For the frame, I added a blank layer above the photo, clicked on the thumbnail of the photo and then added a stroke to the blank layers which gave me the base for the frame. I then added an inner bevel to the stroke and clipped a gold and white paper from ConnectionKeeping to the frame and set the blend mode to Hard Light.