Use the Labelle #107 oil.
-A drop on each end of the armature shaft (where the armature shaft/axle rotates in the steelplates that hold it in place).
-A drop on each rotating gear shaft (the shaft that the gear is mounted on/rotates on)
-A drop on each drive wheel axle bushing (Where the drive axles go through the motor sideplates). There should be 4 access holes in the pickup plate on the bottom of the motor where you can get the oil bottle needle in there.
-A drop on each pickup roller on the entire train. Put on drop on each end of each roller, where it rotates around the axle
-A drop on each vestibule wheel and car wheel. If you have tinplate shiny wheels (as found on the flying yankee/city of denver) then put a drop on each side of each wheel---one on the inside where the axle goes thru, and one on the outside where the axle goes thru.
If you have the black wheels (on the Rail Chief / M10000) type trains, then just one drop on the inside of each wheel, where the axle rotates.
Use #102 gear grease on the locmotive gear teeth. You don't need much. Just hold the bottle in one hand on each geared wheel. Slowly rotate the motor while squeezing grease onto the gear as it rotates. As the gear rotates, it will spread the grease to the other gears. Like I said, easy on the grease. The more you put on , the more that gets slung all over the inside of the body shell and your track. When you get it right, you should notice just a slight coating of grease that sticks and stretches between the gears as you rotate the motor.