21. Close all Layers / New Raster Layer Selection / Select all .
22. Copy your texture and paste into Selection.Move this layer down in your Layerpalette.Blend mode to Luminance.
23. Layer / Merge / Merge Visible.
24. Take your Text tool / / look for a nice font and right your name or watermark on it.
I uses for Foreground and Background my Image Pattern.Luminance this layer to.
25. Layer / Merge / Merge visible.
26. Image / Add Borers 1px in black. Resize your Image If you like .
Save as JPG or Gif and you are done.