1. stop double-posting. If you have something to add to a post, edit it.
2. If you bought your game in Europe, Australia, or New Zealand, it's most probably PAL. To be sure, check the disc, and PAL will be written on it. If not, you're good.
3. To check if the SD card is formatted correctly, check the card's Properties (right-click it in the file manager). In the "General" tab, "File system" should be "FAT32". If not, you need to reformat it. Right click -> Format... -> make sure "File system" is FAT32. This will wipe the card, so make sure you back up your files first.