- Apply Fill=0% and Multiply Blending Mode.
- Group "banana" shape layers(all layers except background and temporary layer), duplicate the group.
- Open copied group folder and find first "banana" text layer with layer style effects like on the screen shot, make Drop Shadow effect inactive.
- Then, Merge duplicated group.
- Move created layer below "Banana text" layers and above background. We will use this layer to create reflection.
- Apply Gaussian Blur Filter to reflection. Filter > Blur > Gaussian Blur.
- Go to Filter > Noise > Add Noise.
- Apply Opacity 30% to this layer.
- Load selection for banana text layer one more time, Make folder with "banana text" invisible.
- Keep selection active and create a new layer above reflection layer.
- Fill selection with any color(brown on the screen shot).
