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- Insert Ribbon image.
- Cut out ribbon shape from background and paste it into a new layer.
- Apply Multiply Blending Mode for background.
- Load selections for curled paper shape, inverse selection and erase superfluous background form ribbon background layer.
- Apply Multiply Blending mode for Ribbon to make it translucent and Opacity 75%.
- Duplicate ribbon layer, make it black and white, Image > Adjustments > Black and white.
- Make black and white image more contrast using Levels adjustments, move black and white markers to center.
- Apply Screen Blending Mode to black and white layer and Opacity 85%.
- Add snowflake u8sing snowflake brush.
- Apply following layer style effects.