Create a new file, then for each image you wan to add, go to the File menu and choose "Open as Layer". Then you will be able to move each layer around independently. For your text, go to the Layer menu, and then choose "New Layer". Then use the text tool and put your text in that new layer. To move layers, click on the icon in the tool panel that looks like a plus sign with arrows at each tip. You will click on that tool, then click on the layer you want to move in the layer palette, then click on the image and drag to move it.
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