he file secure32.html is generated by a program called Paytime.exe.
Paytime.exe is located in C:\WINDOWS\system32\paytime.exe
How to solve this problem:
1. Bring up your taskmanager by pressing Control + Alt + Delete, in some Windows versions select the 'Processes' tab. Then click on 'Paytime.exe' and end the task.
2. Delete paytime.exe, which you should find under c:WindowsSystem32
3. Delete c:secure32.html
4. Run Explorer. It will tell you that it cannot find the path for secure32.html. Use the default configuration of Explorer and everything will be OK.