Download The Jerm software
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