All features may not be available. To see the features available to you, please log in to the Money Network Mobile App and view your navigation menu, or log into your Account online and view your dashboard.

© Money Network Financial, LLC. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Money Network^® Checks and Money Network^® Cards are issued by MetaBank^®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc and by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Money Network Card is accepted everywhere Visa debit cards are accepted.

Google Play and the Google Play logo are trademarks of Google LLC. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

^* Funds will be FDIC insured subject to applicable limitations and restrictions of such insurance. Card must be registered to the name of the primary cardholder. See your Account Holder agreement for additional information.

^** Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or click here to learn more.

^*** Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account chime app down $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard or to unregistered cards.

¹ Certain transaction and service fees and costs may be associated with the use of this feature. See your Fee and Transaction Limit Schedule for more details.

² Standard message and data rates apply.

³  Faster access to funds is based on a comparison of our electronic direct deposit policy for ACH deposits versus traditional electronic banking practices and the deposit of paper checks. Direct deposit and faster availability of funds are subject to the payer’s support of the feature and timing of payer’s funding. apple ipad pro 1st generation keyboard

⁴ An Account upgrade may be necessary. If so, we will need to verify your identity and a new fee schedule with different and/or additional fees will apply to your Account. See your Money Network Service Account Holder Agreement or call the number on back of your Card for more information.

⁵  If you are successfully enrolled in the Ingo^™ Money Service (Ingo Money) through the Money Network Mobile App, you can use Ingo Money to load an approved check into your Money Network account net of any applicable Ingo Fees. Unapproved checks will not be loaded into your account. The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc (Ingo). Use of Ingo Money is subject to the Ingo Money Service Terms and Conditions and Privacy Policy of Ingo and First Century Bank. Checks are subject to approval for funding in Ingo’s sole discretion; dollar limits and other restrictions apply. Ingo reserves the right to recover losses resulting from illegal or fraudulent use of Ingo Money. Money in Minutes: Ingo Fees are 1% of approved check amount for preprinted payroll & government checks; 4% of approved check amount for chime app down other check types; $5 minimum. Approval process usually takes 3-5 minutes, but may take an hour. Most issuers post funds within 24 hours. Money in 10 Days: No fee for 10 days delayed funding.

⁶ Surcharge-free Check cashing is exclusively for Money Network^® Checks.

⁷ Fee may be assessed by reload location and may vary from location to location.

⁸ Fast access to your tax refund payout is based on comparison of paper check versus electronic direct deposit.

As we prepare for the additional demands that the COVID-19 outbreak will place on our hospital system, our operational leaders need up-to-date projections of what additional resources will be required. Informed estimates of how many patients will need hospitalization, ICU beds, and mechanical ventilation over the coming days and weeks will be crucial inputs to readiness responses and mitigation strategies.

To this end, the Predictive Healthcare team at Penn Medicine has developed a tool that leverages SIR modeling to assist hospitals with capacity planning around COVID-19.

Introducing CHIME: The COVID-19 Hospital Impact Model for Epidemics.

CHIME allows hospitals to enter information about their population and modify assumptions around the spread and behavior of COVID-19. It then runs a standard SIR model to project the number of new hospital admissions each day, along with the daily hospital census. These projections can then be used to create best- and worst-case scenarios to assist with capacity planning. We’re announcing today that we’re open-sourcing CHIME and making it available to the healthcare community.

While the default parameters are customized and continually updated to reflect the situation at Penn Medicine, CHIME can be adapted for use by any hospital system by modifying parameters to reflect local contexts.

The most impactful parameter in a SIR model is the Doubling Time. This parameter defines how rapidly a disease spreads. Experiences in other geographical contexts suggest that doubling time may range from 3 to 13 days or more, with notable examples:

This value is particularly important because of the exponential nature of the spread of infectious diseases such as COVID-19. This is also why public health officials recommend measures like social distancing and hand washing: the more we can slow down the spread of COVID-19, the lower the peak demand on our healthcare system. Try out our live version of CHIME and see what happens when you modify the Doubling Time parameter. You can also experiment with scenarios involving different levels of incidence severity and average lengths of stay for each severity class.

We’ve put effort into determining good estimates for all model parameters and have set default values accordingly. Some of the default values are based on the current situation in our home region of Philadelphia. If you’re working somewhere outside of the Philadelphia region you can simply modify the following parameters to suit your patient population:

• Currently Known Regional Infections
• Currently Hospitalized COVID-19 Patients
• Hospital Market Share (%)

As local spread progresses, revised estimates can be made for some of the values in CHIME. We will try our best to keep things up to date with the latest research, but if you find an issue with any of the values we are using we’d appreciate your feedback and contributions. We also set up a Slack channel if you’d like to chat with us.

– Penn Predictive Healthcare Team