Click on the mask and select Filter>Render>Clouds, but don’t forget to apply the same parameters demonstrated below:



This is the new result:



Next we’ll select the Custom Shape Tool (U) with the shape Heart Card.



Place the heart exactly the same way it is demonstrated next image:



Apply the Blending Options>Drop Shadow, inserted in the table below:



Blending Options>Inner Glow



Blending Options>Bevel and Emboss



Blending Options>Bevel and Emboss>Contour