I tried using a 128GB sdxc card in my Panasonic DMC-zs100 and it gave me a memory card error and offered to format the card. when I said yes, that failed and it asked me again to format the card. I tried using windows File Explorer to format the card, trying exFAT and a third party tool to format it FAT32. neither worked on the camera. I checked both the physical lock switch and the software read-only setting. didn’t help and anyways I could write files from Windows. I then compared it to a 128GB card that works in the camera and saw that card had 16MB unallocated space at the beginning of the card. I used a free disk partition tool (MiniTool Partition Wizard Free Edition but there are others) to delete the partition and create a new exFAT partition with the default allocation size with 16MB unallocated space at the beginning of the card. Now the camera recognized the card but complained it wasn’t formatted for recording. I went into the menu settings and formatted the card in the camera and all was good....