TrainingLady, thanks for your quick response.

First, although I named the file as a template, it did not have an extension with a "t". [I was not familiar with that extension variation until I encountered this problem.] It was probably xls when originally set up in Office 2003, and maybe converted to xlsx when I changed from XP to Win7 and Office 2010.

Second, after I Uninstalled Office 2010 in my attempt to correct this problem, I used the MS website to Reinstall with the Product Key. I presume it was to the default location.

If it ever existed, is the xltx file hidden? Would it help if I could retrieve the original Credit Card Template.xxx files from a backup?