International Credit Open Exchange (ICOE) is an
institution that enables international convertibility of bonus points. The company sets up localized
alliance organizations, as well as sounds bonus point convertibility platform and merchant
payment system. ICOE has 2,000 merchants that allow conversion of bonus points. ICOE has
cooperated with the largest casino chain and duty-free shop in Argentina, as well as major
airports and convenience stores in other countries including Brazil, Chile, Paraguay and Uruguay. In a strict sense, the ICOE - Centric bonus conversion and exchange system is a cohesive
international financial platform that can help numerous offline stores expand customer base and
companies better serve customers.