If you ever come to a point when you need to hard format your phone or maybe upgrade to a new firmware, I'm sure definately would like to save the current settings of your phone. So this is what you should do; How to backup phone settings to MMC. Menu>Extras>Memory>Options>Backup phone mem. Once the formatting or upgrading is done, you can then restore back the settings by doing; Restoring settings after phone format. Menu>Extras>Memory>Options>Restore from card.