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No need to format and please do not try to change anything from the GARMIN files.
MP3 only can be read. Use SD to read or you can drop into the proper file when you plug to your computer. The file name GARMIN include many files. One of them is for MP3 , you will see example of music inside. Please do not play with other GARMIN FILES or you will had some problems with your unit.
Please refer to your manual 650, for the proper way to listen or insert MP3.