You need a card reader/writer. The one most people use is about $20.00 You can get it from a Verizon store or Best Buy, Circuit City, etc. Just put the card into the reader, then plug the reader into a usb port on your pc then copy mp3's, pics,.3gp videos to the card. Make sure you copy each different file type to the correct folder on the card.After you're done, exit out of the reader,take out the card, put it back into the phone and that's it. As for ringtones, use the Audacity program to cut mp3's down to about 30 seconds and around 69kbs. Also raise the volume to the point right before it gets distorted. Save it as a .mp3, rename the file extension from .mp3 to .mid. Finally, e-mail the .mid file to your phone
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