I found that I just had to sit down with my phone and go through every pertinent "settings" menu that I could find on my phone. It turned out not to be so boring.
You'll find something that will allow you to transfer a whole bunch of stuff to the SD Card, all at one time. But we can't retrieve it with normal cell phone usage.
Now, I have find out how this phone will tell me when I can periodically transfer items to the SD C.
But, i did find my photos on my SD C in the Gallery App.
Using the SD C is a one way storage.
It seems we are prevented from utilizing the information on our SD C using our phone, except the pictures in Gallery.
The only resolution that I have just been made to accept is that:
The SD card must be accessed via a computer and a USB cable.