User Guide - Fijifilm Z100fd. I have a new Fujifilm Z100 fd camera. There was no User Guide in the

Question

I have a new Fujifilm Z100 fd camera. There was no User Guide in the box or on the CD. There is nothing on the Fujifilm site and I haven't found one onthe net.1. I cannot use the camera at all because "CARD NOT INITIALLISED". The SD card is in the slot correctly and has worked fine in another camera and my computer. This should be easy to fix just by stuffing around menus but no such luck. Where can I get help on this simple annoying frustrating problem?2. Any idea where I can download a User Manual ?