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Why can't I download my phonebook to my 2013 Jaguar XF?

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Windows Central Question

My Nokia Lumia 620 is running Windows 8.1, but the Jaguar Connectivity Centre states that my car is only compatible with version 8.0.10211.204. What is different in Windows 8.1 that makes my car incompatible? The Jaguar XF owner's handbook states that the phonebook has to be stored on the phone, not on an SD card. Where is the phonebook stored on my Lumia 620?