I have Olympus Master 2.20 installed on my PC, although I do not use it except for occasional printing, never for transfer or edits. Do not understand what you mean by "locked".
Are you using Master to transfer pictures from a folder on the PC to a SD card? Is the SD card locked? Actually, I just tried this, locking my SD card, and the error message only says "Failed to transfer Image" and nothing about anything being locked.
When you open Master, you get the browse screen, which shows the last folder where you stored your images. The folder location appears in the box marked "Address". If you go to that folder via Windows Explorer, your images are there. What happens if you use Explorer to copy/transfer the files?