The "card reader" being referred to is simply the slot on any modern pc to plug is the SDcard. Some computers will directly interface with the microSD that our phones use; others require a microSD-to-SD adapter. "Format as exFAT" means to format the SD in the computer by opening a CMD window and then typing "format e: /FS:exFAT" (without the quotes). Substitute "e:" with whatever drive letter your computer assigns the SD when plugged in. Type "format /?" for a complete list of all format options.