Dont know if this helps but i had a problem that was similar, turns out card is not compatible, check here to see if you have a compatible card
http://www.fujifilm.com/products/digital_cameras/accessories/card/index.html#compati
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New XD (M) cards do not work.
Future Shop told me to go to company and see if there is a patch that can be downloaded to the camera to allow using these cards.
olympus xd picture card keeps saying card error
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