The Antimicrobial Card Company (ACC) specializes in creating products like credit cards, badges, and tokens that use antimicrobial technology to prevent the transmission of germs and viruses. U.S. patent number 7,851,517 covers these innovations, aiming to reduce the high rates of illness associated with contaminated surfaces. With a focus on public health, ACC intends to license its technology to manufacturers, targeting the growing demand for safer cash substitution instruments.

1. Antimicrobial
Cards, Badges and Badge Holders,
Tokens and Poker Chips
SIMPLE SOLUTION FOR CONTROLING
U.S. Patent No. 7,851,517 BACTERIA ON CARDS, BADGES, POKER
Scope of Patent CHIPS AND TOKENS
CARDS
Credit Cards, ATM and Debit Cards, Rewards Credit cards, hotel keys, membership The consumer cannot control behaviors of
rewards cards, employee badges, plastic those they interact with, and may not have
Cards, Insurance Cards, Hotel Keys, Key Fobs tokens or poker chips can accumulate germs control over the surfaces that the germ lands
IDENTIFICATION just as fast as cash. on.
Drivers Licenses, National ID Cards, Passport According to Llelwyn Grant of the Centers The transmission of viruses and dangerous
for Disease Control, "Any surface could pathogens is really in our own hands. The
Cards, Employee Badges
contribute to the passing of the virus, which importance of hand washing as the best
BADGE HOLDERS typically will live up to six to eight hours after method to avoid food poisoning, colds,
contact has been made." influenza and respiratory diseases cannot be
Badge Holders overstated.
POKER CHIPS Drug and grocery stores, gym and other
membership cards are often used daily, laid However, there are times where we simply
Poker Chips on the counters that are never cleaned. If a cannot wash our hands after we encounter
cashier who has developed flu symptoms viruses or the surfaces they land upon.
TOKENS handles a card during a transaction, they
Subway Tokens, Laundry Tokens can contaminate a card with germs that Interestingly 68% of the American population
linger from hours to months. doesn’t wash their hands long enough to
remove germs, and 36% rarely washes after
To stop the spread and growth of germs, Multiple encounters with the card, badge, coughing or sneezing. Thus we
viruses and pathogens on hard surfaces like token or chip equates to increased chances unknowingly transfer illness to others around
plastic, manufactures should make the card of of the consumer contracting an illness. us, the people we interact with daily, like co-
antimicrobial plastic. If germs land on an workers and loved ones.
antimicrobial surface, the life cycle of the virus
is severely inhibited.
Antimicrobial Card Co | 3612 Scruggs Drive Richland Hills TX 76118
Tel 817.680.1220 | Email: lmholmes@usa.net WWW.ANTIMICROBIALCARDS.COM

2. Antimicrobial Card Co.
Executive Summary
Antimicrobial Card Company (ACC) is a pioneer in the emerging field of
antimicrobial identification and cash substitution instruments.
Contact Information PRODUCTS
Lisa Holmes, Patent Holder
817.680.1220
A simple solution for manufactures of Smartcards, Credit Cards, Identification Cards,
lmholmes@usa.net
Healthcare Cards, Employee Badges, Rewards Cards, Chips, and Tokens that will
www.antimicrobialcards.com
inhibit the growth and transmission of germs, viruses and dangerous pathogens that
thrive on the surfaces of intensely circulated products. ACC’s plan is to license
Industry U.S. Patent No. 7,851,517, Antimicrobial Credit Cards, Identification Cards,
Electronics, Plastics Membership Cards and Identification Badges and Badge Holders. The manufacturing
Identification and Cash of our devices will be by ACC authorized licensees.
Substitution Instruments
PROBLEM
Year Patent Awarded
2011
Viruses, flu and pathogens tend to spread from person to person when germs
become airborne via coughing and sneezing. When you touch a surface that contains
Year Invented those germs and then touch your eyes, nose or mouth, those microbes can make
2006 you sick. Employee identification badges, visitor badges, credit cards, hotel keys,
membership rewards cards, plastic tokens or poker chips can accumulate germs just
Legal Advisor: as fast as cash.
Mark Holmes
Newport Beach, CA According to Llelwyn Grant of the Centers for Disease Control, "Any surface could
www.mdholmeslaw.com contribute to the passing of the virus, which typically will live up to six to eight hours
after contact has been made."
Some of the hardiest germs can successfully reproduce on plastic surfaces for weeks.
Studies done in 2000 and 2001 showed that a few antibiotic-resistant germs could
survive on plastic surfaces for three full months.
Keep in mind that germs live longest in wet environments. A droplet from a sneeze
that lands on your card could contain thousands of germs which could be transferred
to other adjacent cards when you slide it back into your wallet, potentially
contaminating cards you haven't even touched. "The issue is moisture, that's how
germs transfer from one surface to another. The water-retaining properties of mucus
can help a germ survive hours or even days, longer than it would without it. People
who keep wallets in their pockets may also be fostering germs' growth, since the
warmth provides an ideal bacterial breeding ground." says Alesia Wagner, an
osteopathic physician regional medical director for U.S. HealthWorks in Southern
California. (U.S. HealthWorks Medical Group was founded in 1995 and is the second-
largest occupational health care provider in the nation.)
Multiple encounters with a card increase the chances of a consumer contracting an
illness. As the consumer cannot control behaviors of those they or their cards may
interact with, and typically no control over the surfaces that the germ lands on.
A Canadian study to assess microbial contamination of identification badges at a
medical center was conducted in 2007. The researchers concluded that badges
harbor disease-causing organisms like S. aureus (Staph), E. coli, and Pseudomonas
aeruginosa (Pneumonia). Badges worn around the neck had similar contamination
rates when compared with those clipped to clothing. Badges worn without a plastic
cover had similar contamination rates to those worn with a cover. Badges that had
been cleaned in the preceding week were contaminated. The recommendation of the
researchers was to ask all employees to clean their badges frequently throughout
their shifts with alcohol swabs.
In 2012, a study at nationwide study carried out by researchers from the London
School of Hygiene & Tropical Medicine and Queen Mary at the University of
London investigated levels of bacterial contamination on the hands, credit cards and
currency found that one in 10 bank cards (10%) were to contaminated with faecal
organisms such as E. coli and and Staphylococci.
Antimicrobial Card Company (ACC)| Executive Summary ©2012

3. In 2012, a St. Petersburg College biological sciences professor, Dr. Shannon McQuaig
had her students test plastic currency at local shopping malls and area restaurants.
They tested for this “bad bacteria” using molecular techniques. What they found was
the high prevalence of methicillin resistant Staphylococcus aureus (MRSA) on the
plastic credit cards. 50 percent of the credit cards tested positive for MRSA. “I
believe there has been a general trend to use plastic currency more frequently, as a
simple convenience (I hardly ever carry cash), but as it is used more frequently it is
exposed to more hands and thus possibly more contamination” Dr. McQuaig said.
Studies also showed that 68% of the American population do not wash their hands
long enough to remove germs, and 36% rarely washes after coughing or sneezing.
Thus we unknowingly transfer illness to others around us, the people we interact
with daily, like co-workers and loved ones.
The transmission of viruses and dangerous pathogens is really in our own hands.
The importance of properly washing our hands as the best method to avoid food
poisoning, colds, influenza and respiratory diseases cannot be overstated. Frequent
cleaning of the card, two or three times a day, along with the carrying case the card
is carried in, and all surfaces the card touches. These areas should be cleaned with
alcohol swabs several times throughout the day.
In our busy lives, there are times where we simply cannot wash our hands after we
encounter viruses or the surfaces they land upon. Cleaning the card and the
surfaces it touches with alcohol may not be something we remember to do, or can do
without offending others.
ECONOMIC IMPACT
Common Cold: In the United States, the common cold leads to 75 to 100 million
physician visits annually at a conservative cost estimate of $7.7 billion per year.
Americans spend $2.9 billion on over-the-counter drugs and another $400 million on
prescription medicines for symptomatic relief.
More than one-third of patients who saw a doctor received an antibiotic prescription,
which has implications for antibiotic resistance from overuse of such drugs.
An estimated 22 to 189 million school days are missed annually due to a cold. As a
result, parents missed 126 million workdays to stay home to care for their children.
When added to the 150 million workdays missed by employees suffering from a cold,
the total economic impact of cold-related work loss exceeds $20 billion per year. This
accounts for 40% of time lost from work.
Influenza: Influenza caused Americans to miss 100 million workdays and $6.8
billion in wages last year. The illness also cost companies $10 billion in lost
productivity related to employer-paid sick days. According to the Centers for
Disease Control and Prevention, 13% of the U.S. population gets the flu every year,
with active flu seasons affecting more than 62 million Americans.
The survey also found that influenza led to 32 million missed school days last year.
Between missed workdays, child care costs, doctor visits and other related costs, the
flu cost nearly one-third of respondents between $251 and $1,000 last year.
Hospital Acquired Infections:
An estimated 1.7 million Americans acquire Hospital Acquired Infections (HAI) each
year. They are known by such names as MRSA, C.Diff, VRE, CRKP. The patient is
admitted to the hospital injured, debilitated or sick, their immune systems
compromised, making them easily susceptible to a colonized infection. Others in the
hospital, some sick and others healthy, introduce the pathogen by touching the
patient. HAI are invisible, and can survive on surfaces for up to three days. That
means that they can be transferred when one infected person simply touches
another, or when the patient touches something on which the pathogen resides like a
stethoscope, a TV remote, a computer mouse, or employee badge. Of those infected
at least 99,000 of them die from those infections.
Antimicrobial Card Company (ACC)| Executive Summary ©2012

4. SOLUTION/PRODUCT
Antimicrobial master batches are available for just about any type of extruded
plastic. The antimicrobial master batch is added to the plastic in the molding process
or embedded in the thin layer of PVC film on top of the surface. Antimicrobial plastic
compounds are directly incorporated into the thermoplastic materials during the time
of molding, it makes it impossible for allergens, bacteria, molds, and mildew to
survive on the surface, yet these compounds have no known effect on
humans. Antimicrobial properties are embodied within the plastic itself, or just
topically applied to the card, chip or token, so that the antimicrobial benefits will last
through the life of the card.
Antimicrobials can protect the card, chip or token from odor development, staining,
discoloration, and microbial transfer by cross contamination. Eliminating microbial
transfer is an attractive property for the products, which are handled by many people
and rarely cleaned.
Public awareness about contamination and infections prompts significant demand for
antimicrobial plastic products in other markets such as healthcare and consumer
products. Antimicrobial / Antibacterial plastics used in manufacturing of products
represent a small albeit high-revenue segment of the plastics additives sector, and
are projected to account for about 20% of the global plastics market in the near
term. India, China along with US and Europe represents the largest worldwide
markets for plastic additives, with a forecast to reach 221,758 metric tons of
antimicrobial plastic by the year 2017.
CUSTOMERS
Antimicrobial Card Licensee target customers include card, token, chip and badge
holder manufactures. The primary focus will be centered around smartcard and
credit card manufactures: Gemalto N.V., Giesecke & Devrient GmbH, Oberthur
Technologies Card Systems.
MARKET POTENTIAL
Credit Cards: 609.8 million credit cards held by U.S. consumers, as of 2008. The
average number of credit cards held by cardholders: 3.5. Cards issued through year-
end 2010 by the following financial institutions:
 American Express credit: 48.9 million (Source: American Express)
 MasterCard credit: 171 million (Source: MasterCard)
 MasterCard debit: 123 million (Source: MasterCard)
 Visa credit: 269 million, as of Sept. 30, 2010 (Source: Visa)
 Visa debit: 397 million, as of Sept. 30, 2010 (Source: Visa)
Smartcards: Although current growth remains moderated by the recent world
economic recession, the world smart card market is nevertheless forecast to recover;
Poised in the short-to-medium term period to reach US$26.3 billion by the year
2015. Growth during this period will be driven by post recession resurgence in
planned infrastructure and security projects, the ongoing efforts to replace traditional
magnetic-stripe cards in banking/financial institutions with latest chip-and-pin
payment technology, increase in adoption of contactless smart cards, and the ever
increasing need for greater security, processing and storage capacities. the main
vertical applications for smart cards: enterprise and access ID, government and
healthcare citizen ID, payment and banking, pay TV/conditional access, retail and
loyalty, SIM, telecom/payphone, transportation, and "other" applications.
Other types of secure Identification cards: e-health insurance cards: In
September 2007, for example, Gemalto delivered its 100 millionth e-healthcare
card. Gemalto delivered e-healthcare cards in Algeria, Belgium, China, Finland,
France, Germany Mexico, Puerto Rico, Slovenia, the United Kingdom, and the United
States, e-driver’s licenses, e-passports, e-ID Citizen Cards, e-Government ID. As of
Antimicrobial Card Company (ACC)| Executive Summary ©2012

5. December of 2009, Gemalto has provided 25 million Common Access Cards to the
U.S. Department of Defense for employee and contractor use.
GO TO MARKET STRATEGY
ACC’s goal is to establish antimicrobial cards, chips and tokens as the industry
standard for cards and cash substitution instruments. Through independent
marketing representatives we plan to market licenses to existing manufactures. ACC
intends on educating decision makers in key sectors to influence criteria for the
cards, chips and tokens that they purchase. Lastly to build upon public awareness
and increase consumer market demand for alternatives that will protect consumers
and their loved ones from one more source of exposure to germs.
THE COMPANY
Antimicrobial Card Company is a pioneer in the emerging field of Antimicrobial
Identification and Cash Substitution Instruments. We offer a simple solution for
inhibiting the growth and transmission of germs, viruses and dangerous pathogens
that thrive on the surfaces of intensely circulated products. Inspiring consumer
confidence in those instruments and enhancing purity and cleanliness in consumer’s
lives!
Antimicrobial Card Company (ACC) owner and patent holder, Lisa Holmes has
worked for 30 years within the government and commercial healthcare sector. Daily
interactions with government healthcare policy setters and clinical staff empowered
her with a laser focus on patient safety and infection control. While on a site visit to
a Veterans Affairs Medical Center over 6 years ago, she observed a caregiver
bending over a veteran. The caregiver touched the patient with her government ID
badge, then turned and touched another patient with the same badge. Lisa realized
that the transfer of microbes, viruses and other sources of contamination via plastic
cards had been overlooked. She knew cross-contamination could be controlled and
limited by making the card with antimicrobial infused plastic, and set about to shape
the way we interact with cards and badges. The patent was issued and finalized on
14 Dec 2010.
TEAM PROFILE
Innovator: Lisa Holmes
Lisa Holmes is a 30 year sales and marketing executive to federal and commercial
healthcare. Leading and delivering $30-400 million annual sales in B2B, consumer
goods and healthcare product sales teams for multi-billion dollar companies
operating within the federal and commercial healthcare space. Realizing annual
increases of revenue and market share of 25-75% annually. In addition to her
corporate responsibilities, Lisa served on several industry boards. As a Board
Member of the American Logistics Association (ALA), she worked in tandem with high
level Pentagon and government officials to find a solution to credentialing contractors
for federal installations. As a member of the American Society of Healthcare
Environmental Services (ASHES) she embraced patient safety and the newest
infection control methodologies. Lisa also was appointed for several years as an ad
hoc member of the Dept of Veterans Affairs national healthcare and environmental
service product standardization. Born in Rockford, Illinois, raised in Sacramento
California, she's lived in Europe for 15 years and came back to live in the State of
Texas. She speaks German as she lived in Germany for 15 years in support of the
military efforts during the Cold War and Operation Desert Storm.
Legal Advisor: Mark Holmes
Mark Holmes has 25 years experience in business management, marketing and the
law. Mark holds a master’s in business from Boston University, and a law degree
from University of Texas School of Law. Mark is also the CEO of Green Wave Energy
Corporation an alternative energy think tank providing off the grid energy solution
Antimicrobial Card Company (ACC)| Executive Summary ©2012