Text effect with photograph image

[1]- First take a new image.
[2]- Now type any wordshelp by the Text tool.

[3]- Drag the Text layer andput under the Layer1.

[4]- Now your Layerwindow look like this

[5]- Now Alt+Click betweentwo layers as shown below with the Red circle

[6]- Now your Text should look like this. Complete