You just can't go wrong at this price. It is amazing how a fast memory card transforms a camera - it really does make a huge difference. Already had a 2gb version of this in our previous camera, this new 4gb has just gone in our new TZ5 and it is possible to set the camera in infinite burst mode, hold down the button, and it just goes on forever taking a picture about every 0.5 - 0.75 seconds, it never slows down. Amazing speed from this card. It does indeed come with a dinky little USB reader and a carrying pouch and a CD with recovery software. Don't hesitate, just buy it!!!