You use the surfaces palette - select the surface(s) you want to texture (by default there's a drop down list at the top of the palette, most people enable the Surface list from the options menu - the triangle button at top-right) then click the arrow next to the Diffuse colour bar (or the button under the bar in basic view) and Browse for image, same for the bumpmap (and set the strength to 100% and the min/max values to the values you want - in cm).