2. Open this worn texture (click and choose Save As) and drag it into a new layer above the first photo. Change the Blending Mode to Multiply. Your photo should look like it has brown-tinted scratches.
3. Create a new layer (Layer > New > Layer) and fill it with white (Edit > Fill > White). Change the Opacity to 50% or lower.
4. Create a new layer. Go to the toolbar and select the Custom Shape Tool (under the Rectangle Tool). Choose the filled square with rounded corners. Drag your mouse to create the shape. Be sure to leave a small border of the original photo showing. Rasterize the shape (Layer > Rasterize > Shape).
You'll want to adjust the opacity and blending mode to fit your taste. Also, you may choose to desaturate the texture layer.