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there are 2 solutions
1)insert the memory card in that phone in wich you locked the memory card,then install y browser in the mobile,open c drive in y browser go to sys folder and then go to bin folder,there you will see a file named mmc.dat open it with notepad,you will find your mmc password
2)insert the mmc in a s60v5 mobile(5233,5800,5235)and format the mmc,this will delete the password and your mmc will be unlocked