| 1) New document Horizontal Type Tool, write whatever you like rasterize the layer..
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| 2) Filter --> Disort--> Ocean Ripple use default in this case I used 10/10 the color of the stains depend on your background color here I used light grey.
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| Select the text all the black area selected the inverse the selection so that we select the gray area. add noise 11% gaussian/monochromic.
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| 4) Go to the text layer and
5) Give it a Bevel & Emboss
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