I doubbled checked folder & it's there 100% !
But I guess that function $banner.html giving loading problem in the banners.php file
following is banners.php file
<?php
srand ((double) microtime( )*1000000);
$numbanners = 2;
$banner = rand(0,$numbanners);
echo "<table align=center class=maincats bgcolor=white width=468><tr><td>";
include ("./banners/$banner.html");
echo "</td></tr></table>";
?>
if you type the url
http://localhost/store/banners.php then it's working but not working inside the x-cart
