Download The Jerm software here :

https://www.sendspace.com/file/mzbj2n
zip pass: thejerm

Load up The Jerm in Windows XP or Windows XP Compatibility Mode.

Hit settings tab

Hit "Defaults" in Leading Zeros box
Hit "75 bpi" in Set Track 2 density box
Go back to "Actions"
Hit LoCo or HiCo in Coercivity box, depending on which you want to do
Input your tracks 1 & 2 (without the*%*; or*? symbols because the program already does it for you)
Hit "Write Card" and swipe your card. (i usually do a read card afterwards to make sure everything went

ok)

HAPPY SHOPPING