You cannot reformat using Windows or your card reader will not longer work. You need to use the Fat32 formatting tool. It's still available on the Verbatim website (They bought SmartDisk)
http://www.verbatim.com/support/support.cfm?open=Downloads
Select-Hardware Storage-Portable Drives. You should see a heading on the right for Downloads. Select the Verbatim Fat32 download tool. Download the tool. Connect your PhotoBank to your computer with the mini-USB cable and then run the Fat32 tool you just downloaded. Follow the prompts to reformat the PhotoBank. Your card reader and hard drive will be good as new.
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