Drag your patterned paper on top of the Torn Frame Overlay. Select the patterned paper layer in the Layers Palette. It must be directly above the overlay layer. If it isn't, drag it directly above the overlay.
If you are working in Photoshop: Press Ctrl + Alt G (Mac: Cmd + Opt + G) If you are working in PSE: Press Ctrl + G (Mac: Cmd + G) This will clip the paper to the overlay.
Select the Patterned paper layer.
Set the blending mode to Linear Burn in the Blending mode drop down menu above the Layers Palette.