So, it is 3DS and you are trying to take it into Poser with 3DS texturing. Poser will covert 3DS to OBJ and somehow keep the texturing that comes with, but if you mess up and do not have the textures where Poser can find them right off, well, trying to apply them by hand can be a bear. The names from Max have been known to be a bit obsure and difficult to figure out. When you export as OBJ, you need to stop off at UVMapper first, develop a UV map and do your texturing using it. Assign as many materials as you like. This method is more what Poser likes. i.e. make it in Max but do not bother the texture it there. Take it out as OBJ and map it.