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If you pay the reduced fare, you are automatically covered by the replacement guarantee because your OPUS card is registered and features your photo. However, you will have to pay card replacement and fare privilege fees. With proof of identity on hand, go to SPEQ Photo as soon as possible to replace your card. The new one will be loaded with the transit fares that still remained on your OPUS card at the time you reported it lost or stolen. SPEQ Photo
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