IPhone :: Configuration Utility - Add The Cert To The Config File Then It Does Not Work?

I'm using the IPC to setup a payload file for active sync for a new exchange server. We use a two stage authentication process so two certs are used. The web cert is delivered by the server and so is no issue. The client cert needs to be installed on the iOS device to allow activesync connections. If I manually install the client cert (without the private key) by emailing it to the phone and manually installing I can manually set up the exchange account. But if I add the cert to the config file-it does not work. Without the private key it won't validate the email address and with the key asks for the password for the AD account but does not accept it.

Info:
iOS 5