Process ...
Step 1 - artsy paper no.1
Step 2 - mask no.2 (deleted two layers and clipped my photo)
Step 3 - picked a layer from mask no. 1 and clipped the same photo
Step 4 - word art text near my photo
Step 5 - placed my word art
Step 6 - added a cluster
Step 7 - placed two overlays and textures
Thanks for looking!!