Nuvi 650 - gpi versus csv or gpx files

I downloaded a POI as a .gpi file but when I use the POI loader software it asks for .csv or .gpx files.
Also, there is no POI directory on my NuVi 650 but if I create that directory and copy the .gpi file into that directory will my NuVi recognize and execute the file correctly?
Can I create the POI directory on the removable disk and get it to work too?

The "Poi" directory is under

The "Poi" directory is under /Garmin. You can also create "/garmin/poi" in your removable disk.

BTW, you can not use POI loader to load .gpi file. You can only copy it to that /garmin/poi directory using Windows Explorer etc.