The Investment Card is a revolutionary patent pending financial vehicle that combines the ease of use credit card rewards program with a tax advantaged investment account. The cardholder can accumulate an unlimited level of funds in the retirement investment account by simply using their investment card for everyday purchases. Instead of saving for useless airline miles or limited hotel rooms, the user can invest in their retirement. Retirement funds are invested along with thousands of other cardholders to leverage the power of a massive force to accumulate high returns on investment. The rewards are funded by the traditional processing and banking fees associated with the use of all credit cards. This concept is truly revolutionary. This card will be especially useful for independent contractors, small business owners and anyone looking to pad their future nest egg with essentially no effort.

1. The Investment Card
Building the future one
charge at a time

2. The Investment Card
• Provides the financial institution captive funds in excess
of $60 Billion with fewer than 1 million cardholders.
• Funds are held for 15-17 years before disbursement.
• Funds accumulate tax deferred for the cardholder
• The card issuer gains millions of long term clients
• Cardholders and investors reap the rewards of the long
term growth of the collective
• No limitations on the size of the cardholders lump sum
payout ($50K+ tax deferred)
• Investment card financial model and processes are
patent pending

3. The Process
• Cardholder purchases goods via the investment card
credit card
• Merchant and transaction fees are assessed from the
transaction (averaging 3%-3.5%)
• A portion of the merchant and transaction fees are
credited back to an escrow account on behalf of the
cardholder(s)
• Funds are held in the escrow account until meeting a
minimum trigger point (ex: $100)

4. The Process
• Once the trigger point is met, the funds are transferred
to a ‘retirement’ fund on behalf of the cardholder(s)
• The funds are to be invested in pre-determined
investment accounts (ex: ETF, Bond funds, etc) at a rate
of 90% of the total fund load, the remaining 10% of the
funds to be invested in the Investment Card hedge fund.
• Funds will accumulate on behalf of the cardholder until
retirement age.
• Cardholders can transfer the funds to a beneficiary of
choose to roll over into a standard investment account

5. Typical Cardholder Profile
32-42 years old
Purchases $1000-$3000 /
month
Carries $5000 in Credit Card
debt
Makes $65,000 / Year
Has saved less than $5000 for
retirement

6. Cardholder Benefits
$0.00
$10,000.00
$20,000.00
$30,000.00
$40,000.00
$50,000.00
$60,000.00
1 year 5 years 10 years 15 years 20 years
Account Value
$2000 / month in purchases
3% total reward 10% ROI
Leads to a Payout of $50K!

7. Issuer benefits
• Cardholders are ‘committed to the program for 15-20
years
• Funds cannot be accessed until retirement age per the
initial cardholder agreement
• Investment choices are not managed by the
cardholder but by the card issuer
• Merchant and fund management fees are still collected
by the issuing financial institution
• Beneficiaries stipulations allow transfer of funds to
next of kin creating an ongoing legacy client base

8. Financial Models
Assumptions:
1 million cardholders (Current US = 165 million)
$24,000 annual purchases
3% cash back rewards
Starting age 35 years old
10% average annual rate of return on fund

9. Financial Models
$-
$10,000,000,000.00
$20,000,000,000.00
$30,000,000,000.00
$40,000,000,000.00
$50,000,000,000.00
$60,000,000,000.00
1 3 5 7 9 11 13 15 17 19
Fund Value
Per 1 Million Cardholders

10. Summary
 The investment card provides a large lump
sum payout at retirement to the cardholder
from a tax advantaged investment
 The funds are captive for 15-20 years and
are not paid out until retirement age
 The mass of the fund allows for significant
market investment returns that will allow
tremendous growth of the fund over the same
period
 Cardholders are highly vested in continuing
the health of the platform