Because the Summer Dream has
so many possibilities,
I have included 3 different masks and a few images for you.
Instead of the gold, you can use silver or any other color.
Open the image and the mask you want to use.
We will start with the image.
Add borders > 10 Pixels > Red (or another bright color).
I used red because that color is not in my image.
It's always better to use a bright color. Makes the selecting easier.
Select the red border (feather 0).
Open the gold pattern in PSP.
Foreground to pattern and look for the gold:
Fill your border.
Effects > 3D-effects > Inner bevel > Color #D3D0C8.
Effects > 3D-effects > Drop shadow
Repeat but Horiz. and Vert. at - 4.
Selections > None.
Make your image small for now. Don't close, you'll need it later.
Open a new image 300 X 400.
Fill with black.
Layers > New layer.
Fill with the gold pattern.
Layers > New mask layer > From image.
Search for your Summer masks and click OK.
Layers > Merge > Merge group.
Make sure you selected the bottom layer (=bleu).
Select the inner part but keep it a bit smaller like in
the sample below so you will get a little black border.
Copy the image you prepared.
Still at the bottom layer:
Edit > Paste > Paste into selection.
Selections > None.
Go back to the top layer (=blue).
Give your mask a drop shadow.
PSP still has H. and V. at - 4. Apply.
Add borders > 10 Pixels > Red (or another bright color).
Select the red border (feather 0).
Fill with the gold.
Repeat the inner bevel as before.
Repeat the drop shadow at 4 and - 4.
Selections > None.
It depends on your image and the fill you used, if you want
to sharpen once. See what you like best. I didn't.
Open a nice font. I used ChaseCallasSH. Download here.
Type the text "Summer" or any other text.
In PSP 7 convert to raster.
Give the text a drop shadow at 4.
In PSP 8: Confirm converting to raster. Type a second text if you like. I used "Dream".
Convert to raster and apply a drop shadow.
Layers > Merge all flatten.
Your Summer Dream Frame is done.
I hope you did like it.
Thanks for using my tutorials.
This tutorial is written and designed by Mar and therefore her property.
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Translation
into English with help of my best friends, Trudie.
Thanks sweetie! Couldn't do it without you.
the red border (feather 0). 
the inner part but keep it a bit smaller like 
