The problem is the UV mapping. With the obj format you can have texture coordinates for each face vertices and with 3ds format you can have only a texture coordinate for each vertex. So if you have two faces sharing a vertex with 3ds this vertex can have only one UV coordinate and with obj or Poser you can have 2 coordinates : one for the front face and one for the back face. So in 3dsMax you will have this problem in every junction where the texture map splits the body parts.

Stupidity also evolves!