International Card Establishment, Inc. (ICE) is engaged in the business of providing merchant payment processing services and custom branded gift and loyalty card products to the small medium enterprise (SME) segment of the merchant marketplace. During the year ended December 31, 2011, the Company provided its services to thousands of merchants located across the United States. The Company provides customer service and support to its merchants requiring consultative problem solving and account management. ICE also provides value added products, such as Gift and Loyalty, through the Company's NEOS Merchant Solutions subsidiary. Its subsidiaries include NEOS Merchant Services (NEOS), which provides smart card loyalty programs in an integrated vertical system for its customers, as well as other electronic payment services (merchant services), and International Card Establishment (ICE), which provides electronic payment services (merchant services).