I once had the same problem of not being ablt to load the SDCard Tool, and if I remember correctly, I removed mci32.ocx from the SD Card File folder.
After removing mci32.ocx (not deleting mci32.ocx, just move it outside the folder) it then loaded. Don't know why, but it worked for me.
SeeYa
Larry Hawk
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Larry "Hawk"
♫ 🎹🎹 ♫ SX-900