Does your screen look like this when trying to load patches from the SD card? Only says null, null, null, and null...
Chances are your SD card is formatted to something that's not FAT32 specific. ExFAT is not a version of FAT32 and should not be used. Try reformatting your SD card to FAT32 and loading patches again from the SD card to your ZOIA.
Here are instruction for that:
It needs to be a full re-format.
Apple products do not format SD card the same way as Windows computers, so if you are using a Mac, you might need to use a third party SD card formatting app. Some Mac OS's Disk Utility can be stubborn. For these obstinate OSes, you can use the SD Associations SD Memory Card Formatter.