Company Summary: International Card Establishment, Inc. (the “Company”), is a rapidly growing provider of diversified products and services to the trillion dollar electronic transaction processing industry. All of the Company’s offerings generate recurring revenues in the form of transaction fees, service fees, or finance charges.

The Company’s operations take place through two wholly owned subsidiaries: International Card Establishment, Inc. (the same name as the parent company, but herein referred to as "I.C.E." for clarity); and, Neos Merchant Solutions, Inc. I.C.E. establishes "merchant accounts” for businesses that enable those businesses to accept credit cards, debit cards, and other forms of electronic payments from their customers; supplies the necessary point-of-sale transaction systems; facilitates processing for the accounts. The I.C.E. subsidiary also markets a proprietary “Smart Card”-based system that enables merchants to economically offer customized gift and loyalty cards—one of the fastest growing product categories in the industry.

The Company’s products and services address the needs of individual businesses that accept credit/debit cards and other electronic payments from their customers. The Company pursues this through a “top-down / bottom-up” approach: (a) top-down—the Company is powered by First Data Corporation®, the largest processor in the industry and (b) bottom-up—the Company provides payment processing and Gift/Loyalty services to thousands of merchants through it's independent agents and sales organizations throughout the U.S.