We should get the next picture on this stage:



Now we must draw an apple's leaf, having the same color the apple has.



Set the next parameters for the Blending Options>Inner Shadow

 

Blending Options>Inner Glow

 

Blending Options>Bevel and Emboss

 

Blending Options>Satin



This is the image we must get:



Now we have to represent the apple's highlight, applying the Pen Tool (P) and representing the same figure from below:

 

Blending Options>Inner Shadow

 

Blending Options>Bevel and Emboss



Fill 0% on the layers' palette, getting the same picture from below:



Now it's time to represent a circle, having the Ellipse Tool (U).