Thanks Jerry,
The problem was of my creation. When I set up the camera I did not notice 24 hours as the default and only option with the xt4. I set it up at 5:45 am. The time when the photo was captured was never an issue until this one. Thanks for your help. Rich
GordW, Jerryy and BobJ - thanks all for your taking the time and trouble to reply - I've been a bit busy with family stuff and only got round to looking at this today. GordW - thanks - you get the gold star, I followed your advice and cards now functioning properly.
Best to you all