I had an early Photoshop... it was either CS2 or a really early version of CS3. But my hard drive and I lost that. Then I had nothing for over a year, then just got CS4 about a month ago, though I haven't used it yet.
Maybe it's just because I forgot how to use Photoshop, but CS4 is mind-boggling to me...
The file you download will be a psd.
When you open the file in photoshop you then open the LAYERS window and you will then see all the different layers of information on the card- the photo, the job title etc.
You just change those accordingly.
Hope that helps.
if not I'll do you a step by step tutorial