I'm not sure I understand what you are doing. I am at home right now and not with the 400 at my store. I have a smart media card in my keyboard. I don't have to load a file to play a midi file on the card. I can scroll through all of them and play the file direct from the card. I can also load a file which then resides in the flash memory. Which are you trying to do?
George Kaye
Kaye's Music Scene
Reseda, California