Ok. Its done in Jasc Paint Shop Pro 9!
Get some pictures, select different parts of the train, (wheels, doors, lights, etc). If they're all the same angles you might want to rotate them a bit. Put one picture then a single piece of text with a number, (in my case 4), another picture, 4, another picture, 4, another picture. Its best if everything goes onto its own layer, by the way, just so you can make sure its all positioned nicely, so you can move one thing than everything at once.
Anyway. Then I added some text (South West Trains), resized it to fit, coloured it, and put more text beneath it with my user name on.
Then, make an object, (square), colour it in whatever you want your background to be, and make it fill your entire canvas (project). Then in the layers panel, find the square's layer, right click and press "Send to bottom".
When your happy with it all, go to the top, "Layers," "Merge", "Merge All (Flatten).
Then, the final touch, to make it look 3d. Go to the "Effects" toolbar, "3D Effects," and "Buttonize". Alternatively if you don't want it buttonized you can go to "Image," "Add Borders" and add a 1px/1px/1px/1px black border.