Dont have permission to save in location

I keep getting this error when I try to save a file in presets.  Error messge:  C:\Program Files (x86)\Adobe\Adobe Photoshop, CS5\Presents\Card Templetes: You don't have permission to save in this location: Contact the administrator to obtain permission:  Would you like to save in the My Pictures folder instead? 
I am the only person that uses my computer and I am the administrator, need help with this please.
Thanks

I have up until recently been able to work on a image in photoshop cs5 and then save that  psd document in, say Card templates so that I can see go back later and reuse that psd file, but it will not let me save in  cs5 (x86) program files/card templates.  I have always been able to do that until 2 months ago, my photoshop would never up date and I got a new computer and it updated now I can't save in (x86) program files.

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