Samsung Moment :: How To Access Saved Pictures On SD Card?

First post. I've looked up this topic so as to try to avoid posting a duplicate, however I can't seem to get the specific answer I'm looking for even still. Been trying to figure out how to do this all day now and have a headache, so please forgive my aggravation. All I am trying to do is store a picture for each contact on my contact list. I can only find pictures stored taken directly from my phone camera. I cannot find any pictures stored on my SD card. Now, before I am told I need to hook up my Moment to a computer with the USB cable, every time I do that all that happens is the phone charges and neither the computer nor the phone recognize each other. I tried saving pictures and e-mailing them to myself, where I then tried saving them to the phone and the only way I could do that was through the SD card. I do not even know how to physically remove or add the SD card as there does not seem to be any openings on the phone itself for it. My laptop runs Windows XP. My question is: How do I access the saved pictures on my SD card AND how do I get my computer to recognize my phone if I need to use it to do this?