Installation Error for Endpoint Encryption

I'm trying to install the Client Package for Endpoint Encryption on our Windows XP laptops.  The Framework package installs just fine, and a password only (not using tokens) Client package installs just fine.  But when we try to set the package up for Token authentication capabilities, we get the error:  "Error 25002: Cannot export settings to client database from settings file"

Anyone seen this before or know a remedy?  We're stuck here since if we can't install the client we can't use the program...