The Scanner Master info is partially correct. A replacement SD card could be created for you and shipped to you. It is not necessary for that scanner to be sent for programming.
However (and it's a big however)...
If you're in Cranston the police department is encrypted, meaning you will not be able to monitor them. As to Cranston Fire, they use the RISCON statewide P25 system, which is a Project 25 Phase I Simulcast system. Your scanner is not compatible with simulcast systems and as such would likely suffer from what is known as "simulcast distortion". This is a well documented issue that only the Uniden SDS line of scanners can overcome in most cases. There are workarounds but more often than not they are not successful.