the standard brush:

Using the Rectangle Tool (U), make another layer above the previous made one. The new one will have the color #DDDDDD. Insert additionally two tops on the right top corner, choosing the Add Anchior Point Tool. The top on the right corner should be deleted, selecting the Delete Anchior Point Tool.

Make a right click on the previous made layer belonging to the scrapbooking element (on the layers’ palette) and copy out the layer’s effects (Copy Layer Style), but on the recently made one click on Paste Layer Style.

Next we’ll select the Pen Tool (P) to make a bend corner for the scrapbooking element, the layer having the color #DDDDDD

The layer’s parameters: Blending Options>Drop Shadow

Blending Options>Gradient Overlay

Gradient’s parameters:

Blending Options>Pattern Overlay

Using the Rounded Rectangle Tool (U) with the radius of 10 px, represent a kind of window reserved for our photo.

The layer’s parameters: Blending Options>Inner Shadow

Insert the picture we want to have on the scrapbook ( I used this picture from SXC. I would like to thank the author of this picture):

Press Alt button and make a mouse click between the picture’s layers and the window’s layer on the layers’ palette.

If necessary, we’ll displace a little the picture, using in this case the Free Transform option or the Move Tool (V) for the appropriate angle:

Next we’ll introduce the title on this scrapbook, following the demands from the next demonstrated table:

The final result!

View full size here.