Start by creating a leaf shape using pen tool.
Double click the layer to open layer style window. Apply layer style with the settings shown.
Ctrl+Click the layer thumbnail to get the selection.
From edit menu select >>define brush preset.
Name the brush "leaf".
Create a new layer. Select brush tool and press F5 to open brush settings. Select leaf form the custom brush presets.
Apply settings as shown.
Select foreground and background colors as shown in the image below.
Apply the brush in a square style to create a frame.
Similarly select the other colors and create another frame as shown.
Change the layer mode of green leaves layer to luminosity.
Duplicate the layer. Press Ctrl+T. Right click the layer and select perspective. Adjust nodes to get a perspective shadow. Reduce the opacity to 30%.
Insert a flower cutout and place as shown in the image below.
Duplicate flower layer twice. Scale down and place as shown.
Insert the image you want to place inside the frame.
Move this layer below all the layers in layer palette in layer order.
Similarly duplicate all the photo frames and scale down to create a small photo frame.
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