Hi Terry,
MS Office Photo Editor doesn't include a text/annotation tool.
You can do it in MS Windows Paint, or other graphic app or
in Word then paste back into Photo editor
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Can you place text on a photo in microsoft editor?>>
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Let us know if this helped you,
Bob Buckland ?

MS Office System Products MVP
*Courtesy is not expensive and can pay big dividends*
Office 2003 Editions explained
http://www.microsoft.com/uk/office/editions.mspx