X-Ray,
Fat95 is an filesystem which allows the Amiga to read fat32 formatted Floppy drives or Hard Drives.
It's useful for reading Jazz and Zip Media that has been formatted on a PC.
Fat32 allows you to read files longer than the standard 8.3 file convention on old MS-DOS Disks.
A file transferred for a PC on floppy called longfilename.zip will only be read on the amiga as longfile.zip. (This is assuming you are running WB 2.1 or later and have either PC0: or PC1: configured so you can read PC Disks.)
Cheers
Shaf