Yes, calm down. This is so easy.
You can take the SD card and put into you're computer if you have a media reader built in. If it doesn't come up right away when you put in, go to my Computer, then start hitting drives, except for the obvious Hard Drive and CD/DVR Drive, which are usually C and D. It should take you into something that says "About to transfer photos" when you have the right one.
Or you can connect the camera via USB, go to control panel, scanners and cameras, then i should be listed right there. If not, you may need to install the software, about 25% likely though. Then right click and hit transfer photos. **Just FYI, the camera needs to be on for the computer to recognize it, and the SD card needs to be in the camera if you want to do it this way. Then the photos will go to you're Pictures in You're documents, not Fujifilm reader thing.
Or if you have a printer with a media reader, connect it to you're computer, then put in the SD card in the printer and it will automatically start to transfer the photos.
BTW: What the guy up there is talking about is on of these. There are so many different kinds and brands of these, offering "High Speed!" or "compatible with any Computer!"
It's all B.S. They're all going to do the same thing at the end of the day.
http://www.amazon.com/Zeikos-Flash-Memory-Reader-ZE-SDR5/dp/B002AH2AH2/ref=sr_1_2?ie=UTF8&s=electronics&qid=1278999446&sr=8-2
Or if you want the whole thing:
http://www.amazon.com/Kingston-Flash-Memory-Reader-FCR-HS219/dp/B00109Y2DQ/ref=sr_1_1?ie=UTF8&s=electronics&qid=1278999446&sr=8-1
Most computers have them now, not a lot of laptops though.
Also, make sure the little switch on the SD card isn't towards lock. There would be a message when you turn on the camera letting you know if that were the case, but just make sure for me.
And one more thing, Windows can take care of transferring photos on it's own. Like a lot of camera makers, they give you the software so all you're photos can be in albums, can be seen by other people, and it's just to make you happy. Sure you're photos are in one place, but so are they in Windows, in separate folders each time you import new ones, sorted by date. My old Kodak's software gave me a bunch of features I'll never use, but I found myself only using Easyshare for editing photos. It as a pain to import pictures, even uploading them directly to Youtube could have been easier without it. My Nikon didn't come with any of that, so I felt left in the cold. But then I discovered how to do all that without training wheels.
If you do insist one using you're own software, you can try the media reader or the USB SD reader above and launch it with Fujifilm Reader or whatever.