Oh cr@p, that one stroke me badly...I'm sorry to see that you are having issues with understanding of a really basic things..But I won't blame you as you are new in this world of hacking PNA devices and to crack MIO is not really good option for learning for total beginers with zero understadnig what is flash disk, SMMC etc..

Flash disk = device internal memorry (wehen you connect MIO to a PC you can clearly see it. There are lots of files and folders)
SD card - you don't need it at all when using flash disk based unlock. I propose it because we failed to do it with SD unlock variant.