Checked with an electronics shop in the city today. They said my problem may be the SD card or the card reader in my computer. I bought some SanDisk 4GB #4 cards. I could not do anything with them in the computer. Connecting my M100 camera to the computer by way of a USB cable everything worked fine. I was able to delete and reformat the card this way. As soon as you go above the 2GB card, this puts you into SDHC. Checking this electronic shops website, they list a 17 into 1 card reader which is good for 17 different varieties of cards. In Canada this lists for $39.76 Canadian. This sounds like the answer to my problem, plus good for any future upgrades I may do.