They don't appear because I believe they're internal effects; part of the program. I was confounded by this at first too...
But as to the folder, there are
2 textrebank folders, the one in the main program files (FPS Creator X10\files) and then another one in (files\X10 Files). Maybe it'll work in other directories, but I know for a fact that it works if you put them in the second texturebank folder. Many other people have had these problems so it's not a problem with X10
Here's what I recommend: make a copy of the .fps of one of the full segments (like the one of the segment named circuit or alien, they're both the same). Have your textures in the X10 Files texturebank. Then open the copy of the .fps and everywhere that it specifies the texture (there should be in total about 16 lines), change it to the directory of the texture
The path should look something like this:
X10 Files\texturbank\user\[name]_D.tga
If you change the texture and only the texture, it should appear correctly. Leave the mesh as is. X10 will automatically read the normal and specular map so you don't have to specify that. The effect that it uses is already in the cpied .fps so you do't need to worry about that either.
Oh yeah, you do not need to have the D2 texture. A lot of people seem to do this, but I still don't know why.
A picture says a thousand words.
-- H.K. --
http://x10.themodelcreators.co.uk/