A system and method are provided for distributing wireless network access parameters in a multi-mode communications user terminal. Hard particles having a hardness of at least 6 on the Mohs scale are embedded in said layer, as are compact, round, solid particle, which are essentially free of sharp edges and have a hardness of at least 5 on the Mohs scale. The interconnection terminals may be spaced from the front side of the memory card by a distance greater than the lengths of the interconnection terminals. AC line current distortion is negligible and can satisfy the most exacting practical harmonic specifications.