I think this is designed to work that way. Since there's no on-screen indication of the replace/insert/append mode when the PIN box is up. Same for the Year box.

Perhaps they could change this so that the Select Mode button works for that screen, too, and a "Mode=Insert" indicator could be up on the screen at the same time as the PIN and Year boxes.

Hey, that could be really interesting. Because that would add a level of self-documenting user instruction at that point. If the user sees (more clearly because of more available screen real estate) the mode on the screen at the first press, and also the word "Mode=", then he'll know that the "select mode" button is what changes it, and he'll have more of a chance to understand the insert/replace/append stuff without having to have it explained to him.

Hmm, I like this idea.