Creative Commons license.

• Used Images:
• Palm Leaf
• Font
• Download Psd file.
License and Attribution:This file is licensed under the Creative Commons license. Attribution is required and always appreciated. Thanks.

• Create a new document 1024* 683 px.
• Apply Gradient Overlay effect to background layer.

• Insert Palm Leaf image and duplicate it.
• Make bottom leaf layer black and white by using Image Adjustments settings.

• Apply Overlay Blending Mode effect to the black and white layer.

• Make active second colorful leaf layer and create a path like on the screen shot below. Use Pen Tool, Convert Point Tool and Direct selection Tool to correct and move points.

• Click Ctrl+Enter to create selection from the path, then Shift + Ctrl + I to inverse selection and add Layer Mask(click small marked icon in the bottom of layer palette).