looks like you have the correct answer. I bought the router on eBay, was a seller in Europe. I asked them about the bands on the router and they told me it is the North America/US version with bands 2, 4, 5, 7, 12, 13, 25, 26, 29, 30, 66
I just logged into the router and went to bands....you hot it. the available bands on my router are 1, 3, 5, 7, 8, 20, 28, 32, 38, 40, 41
Those are the bands shown for the rest of the world. So that explains it. None of the bands on the router are available on my US AT&T sim card. Now I have to get back with the seller and let them know they did NOT send me the U.S. version.
thanks much for your idea