I stopped back to answer my own question in case others experience the same problem.
My original instructions said to get either a thumb drive or memory card, so I went with the thumb drive. I downloaded the update from the web to the drive and loaded it into the USB port on the vehicle. I took about 40 minutes to download and was completed successfully.
The note on the vehicle display says that the program was downloaded successfully on todays date, but the screen showed Navigation not available, with no error message, no further information.
Tried loading it again this morning and still no results, so I called KIA customer support and explained the problem, and they gave me the phone number to the company in Canada responsible for the computed system in the vehicle.
They were very helpful, he said to forget the thumb drive and remove the memory card from the vehicle, put it into my computer and download the program on to that disc and then reinstall in the vehicle. After another 40 minute download onto the card, I placed it back in the vehicle and I now have the new updated GPS system.
The original and incorrect suggestion about using a thumb drive cost me much time and frustration. Go directly to the card.