Thank you Black Belt this worked great! For those of you who wish to use this you must have the add-on: "Additional Product Images" in order for this method to work.
If you would like to use this method, here is the code that needs modified in: includes>templates>template_default>templates>tpl_modules_additional_imagess.php
Around Line#24 I added this code: <p>PUT YOUR TEXT HERE!</p>
Code:
<div id="productAdditionalImages">
<?php
while(!$additional->EOF) {
echo '<div class="additional-images">'.zen_image(DIR_WS_IMAGES . $additional->fields['additional_image'], '', ADDITIONAL_SMALL_IMAGE_WIDTH, ADDITIONAL_SMALL_IMAGE_HEIGHT).'</div>';
$additional->MoveNext();
}
?><p>PUT YOUR TEXT HERE!</p>
</div>
This put the words directly below the additional image and only shows when an additional image shows.