I would second the recommendation for a removable USB card reader - they are pretty cheap, convenient for transporting pics and generally transfer from card to PC faster than the camera itself.
I did find the directions for transferring via camera (assuming you have a PC and not a Mac) . step 4 perhaps is the key (and not required for any camera I've ever downloaded pictures from)
Connect the digital camera to your computer
1. Connect one end of the USB cable to the USB port of the camera.
2. Connect the other end of the USB cable to an available USB port on your computer.
3. Push and hold the OK button on the camera until the power turns on.
The USB screen appears on the LCD display.
4. Use the 'up' / 'down' buttons to select [PC], then press the OK button.
5. From the Windows desktop, double click on My Computer.
6. Look for a new Removable disk icon. This Removable disk is actually the memory card in your camera. Typically, the camera will be assigned drive letter
e or higher.
7. Double click on the removable disk and
locate the DCIM folder.
8. Double click on the DCIM folder to
open it to find more folders.
- Your recorded images and video clips will be inside these folders.
- Copy & Paste or Drag-N-Drop image and video files to a folder on your computer.
Copied and pasted from the Sealife Reefmaster manual located here:
http://www.sealife-cameras.com/assets/pdf/reefmastermini_ecoshot/SL320_web.pdf