Question about loading templates

I just started playing today, and I searched all over the internet but no one had this same problem,
My "Load from template" thing is grey and I can't use it, I can't continue without the attributes, so I have to know what to do...
What do I do?

You are only allowed to load templates and change attributes inside an Outpost/City. When in explorable areas, you are not allowed to add skills, change attributes(Only add on if you have any available points)

This explains it.

Also, you shouldn't be concerned about templates on your first day of playing. If you've got a template from some external source, you'll be able to select it but the skills you don't have (you've only got 3) won't appear, so templates are pretty much useless for you now. Play the game for yourself, experiment with the skills and figure out what is good and what isn't.

Thanks guys, really appreciate it

As stated above, also you will really need to play most of the way through one of the campaigns before you have the amount of skill points and/or money to worry about having different templates, so take your time and experiment to see what you like best in different scenarios.