We will start by selecting a picture. 
In this case, we are using the one below

We need to add a layer to the picture.
Click on Layers


This screen appears


Click "OK"

Select a complimentary color from the picture.
I chose the cream in the wings.
Flood Fill the picture using the chosen color
Mine looks like this

Now the hard part! Choosing which mask you want to use. Unfortunately, you are unable to view the mask when selecting through the mask application screen , so I do it this way..Go to FILE/BROWSE
Locate PSP/Masks then you can view all your masks and find the name of the one you want.

To select the Mask to use,
Click on Masks


I have chosen Ragged Edge 2

Double click on your selection and the mask is applied to your picture.

Depending on the mask, you may wish to "INVERT" the mask - reversing the application.

 Here is original application

Here is Inverted

To Invert, Click on Masks again, then click on Invert.

I added a border, used Ulead to frame and here is finished product

Here is a tag I made using a mask and increasing the size little by little, and layer by layer as well as changing the colors.

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