In the render toolbar at the top of the poser page there is a Materials section. that is where you assign the textures for the head and body. with a seperate head and body texture it is a little more difficult to do then a full body texture where you can apply texture map to the entire body. in the upper right hand corner of the materials menu is a dropdown menu where you can assign the textures to spacific body parts. then in the texture map section hit load and find your texture map you'll only have to do that once for the body and once for the head. as for where to stick your textures the can go into the textures folder, up to you if you want to put them into their own folder inside this. hope this helps