4 options should come up when you plug in via USB; PC Mode, Windows Media Sync, USB Mass Storage and Charging Only. If you use the PC Mode, it'll see the memory as one big area. If you want to put the Music, etc on the SD card you'll want to use USB Mass Storage. Before using that I was told to go to Settings>Applications>Development and then click "USB Debugging." This way you'll see 2 removable drives MOT (internal) and your SD-EXT (external). If you use that, be sure to "eject" both drives.
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