[TheGr8tOne]

Originally Posted by tamlin

1. Make a new layer below your original and fill it with white
2. Draw a jagged line across the page on the top layer with the Pen Tool, then connect up the path outside the bottom section of the layer
3. Press Ctrl+Enter to convert the path to a selection
4. Press Delete to remove the lower section (below the "tear")
5. Add a Drop Shadow layer effect to the top layer

Thanks for the quick tutorial it help me out a lot.