These masks are free to use for any reason other than to claim as your own or for download anywhere else.  They are in JPEG format, save and open in PSP then on to Masks | Save from Image.

You do not have to save as a msk file in order to use.  Another way is to have your image and the mask both open, temporarily resize the mask to fit your image and navigate to Masks | New | From Image.  In the source window drop down, choose the mask's name with Source Luminance ticked.  Once you've masked your image, close the mask without saving the changes you made.

IMPORTANT:  The images on this page are thumbnails of the originals, please click on the mask you are interested in and save in the original 400 x 400 pixel size from the popup window or download all 16 images in a zip file.