Making noise already huh?
Okay the TEM thingy is the firepower modifier for that hex. For example fire into a village hex goes in at 80%. However the modifier for IP's, trenches, etc is not reflected in that it is for the base hex only. Fire into an IP in a village goes in at 60%, .8 for the village multiplied by .75 for the IP equals 60%
Morale is the morale bonus to checks while in that hex. In the case of a village again, a unit with a base morale of 7 has a morale of 9 while taking morale checks in that hex.
And Concealment is the modifier to the roll for spotting a hidden unit in that hex. Unit size plays a role in that too. For example I still haven't spotted that damn Polish 37mm AT you've been shooting for the last two turns.... small unit, in a village.
Hope this all helps. Sheeeesh... new guys. Hope those shark teeth aren't fossilized.