I used PSP X6 to create this tag but any other version will work
Scrapkit is a gorgeous one by Kissing Kate named Autumn Blush - HERE
Beautiful Art is by Alex Prihodko named Autumn Melody - HERE
Font is Passions Conflict
Photo Effects - Comes with program
Mask is by Moonbeams and Spiderwebs HERE
Don't Forget your Drop Shadows!
HERE WE GO!