i need to know how to make this

I have searched and searched for a tut on this, I want to make a ribbon like this in photoshopcan anyone pls help me?
mail me at deer37@hotmail.com

Most of the freebies downloaded as CU have diff Tou files
how can there be a cu 4 pu? how can something be commercial and peronal use only together
either they are cu or not , and then I see cu4su e.t.c......commercial means sale right?
so I can't find a bow which is cu4cu means cannot be used even as an element in design project for sale,I just asked an artist about it
so any tut would be perfect
Thanks
Mdesigner

you are right every artist has their own tou