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from what i can tell Fat16 is for cards that aren't SDHC, I don't own a SDHC card so im not sure what that would be formatted to. further, I don't think it matters much if its Fat32 or Fat16 since you can read the card. do you have a memory card reader besides the phone? and can your transfer files back and forth on that device? It may be your phone, but other variables need to be weeded out first
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