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The rugged Fujifilm FinePix XP10 is based around a 12.2 effective megapixel, 1/2.3-inch RGB CCD image sensor coupled to a Fujinon-branded 5x optical zoom lens. Described by the company as being waterproof, freezeproof, shockproof ,and dustproof, the XP10 can survive immersion to ten feet, drops from three feet, and conditions as cold as 14°F. Maximum image resolution is 4,000 x 3,000 pixels in the camera's native 4:3 aspect ratio, and both 3:2 and 16:9 aspect ratio modes are also available. The XP10's lens offers actual focal lengths ranging from 6.4 to 32.0mm, equivalent to 36 to 180mm on a 35mm camera - a rather tight wide angle to a useful telephoto. The Fuji XP10 has a two-step aperture, offering either F4.0 or F6.7 at wide angle, and either F4.8 or F8.0 (with an ND filter) at telephoto. Minimum focusing distance is ordinarily 2.0 feet at wide angle or 3.3 feet at telephoto, but drops to just 3.5 inches in Macro mode at wide angle, or 3.3 feet at telephoto. There's no true optical viewfinder on this model, with all interaction taking place on a 2.7-inch LCD display with 230,000 dot resolution, and this display provides 96% frame coverage.

The FinePix XP10 offers ISO-equivalent sensitivity ranging from 100 to 1,600, controlled automatically or manually. Exposures are determined using 256-zone metering, and shooting modes include Auto, Program, and a generous eighteen scene modes that allow a modicum of control over the look of images. The Fuji XP10 doesn't offer any form of optical or mechanical stabilization, opting instead solely for a software-based approach to combatting blur from camera shake. Shutter speeds range from 1/2,000 to 1/4 second. Burst shooting is possible at up to 0.8 frames per second, albeit with a burst depth of only three shots.

The XP10's contrast detection autofocusing system offers a single focus point at the center of the frame, and includes a tracking function. Seven white balance modes are available, including automatic or six presets; manual white balance is not possible on this camera. The Fuji XP10's built-in six-mode flash has a range of 2.3 to 10.2 feet at wide angle, or to 8.9 feet at telephoto, which can be reduced to a range of one to 2.6 feet in macro mode. A two- or ten-second self timer is available to allow the photographer to get into the photo, or to reduce blur when shooting on a tripod. There's also a Couple or Group timer function based on the camera's face detection capability.

As well as JPEG-format still images, the Fuji XP10 can capture Motion JPEG-compressed AVI video with monaural audio. Movie resolutions include high-definition 720p (1,280 x 720 pixels), VGA (640 x 480 pixels)  and QVGA (320 x 240 pixels) with a rate of 30 frames per second. The Fuji FinePix XP10 stores its data on Secure Digital cards, including the newer SDHC types, or in 13MB of built-in memory. Connectivity options include USB 2.0 High Speed data and NTSC / PAL standard definition video output. Power comes from a proprietary NP-45A lithium-ion battery,with battery life  rated at 165 frames on a charge.

The Fuji FinePix XP10 ships from February 2010, priced at around $200.