It seems to want you to make a layer which shows the black lines from the template, but lets you see the background (on which, presumably, you are going to be painting your texture) through it. Because the template is black and white all of the colour channels in your Photoshop file will be the same. Loading one of them as a selection, creating an empty layer and filling with black will give you black outlines surrounded by transparency. But as I said, just bringing the template in as a layer (drag it in with the pointer, with shift held down so that it fits in the same position) and setting the blend mode to Multiply will do the same for less effort.