When you are selecting your materials in Poser (go to render menu, select 'materials'), just load the .jpeg file in the bump section. Poser will ask if you want to convert it to .bum. Click okay and it will be done. Seems to me that some people have also mentioned that they open a cube prop, apply the .jpeg as the bump, Poser will ask for it to be converted and then the figure will load with it already converted. I think either way is fine. Diane B