My wife and I recently purchased a 98 ford explorer. Like so many others these days our credit became damaged due to the length of time to my pension benefits, so this is a whole new way of life for us. Unfornutatly Fast Track lumps everyone in one category they trust no one, so when you purchase a vehicle they keep a key, because everyone might get divorced, stop paying, loose their jobs, move etc. even though this probably isn't an issue. But hey don't believe in anyone keep a extra key, even if it is coded and will cost the customer over $100.00 for a duplicate. So when they decide your worthy enough to have your second key you won't need it as you already have made a second key and with only two drivers you don't need a third key. It's like that old saying "the big do matter it's the little things that ruin relationships". We will never buy another vehicle from this dealer, I hate being lumped in a category of people not being trustworthy. KEEP YOUR KEY TO MAKE YOUR POINT.