FreeMonee Network enables stores and restaurants to attract customers on demand using FreeMonee Gifts. With its consumer incentive, FreeMonee delivers gifts of money directly to cardholders of the largest financial institutions. Customized to precisely match consumer interest, gifts allow consumers to purchase anything they want at designated stores or restaurants. The gifts are made possible by FreeMonee's Gift Underwriting Engine, which accurately determines the right gift to ensure the highest level of consumer interest and the best return on ad spend for a merchant. For retail marketers, FreeMonee Gifts enable brands to attract large volumes of profitable, incremental customer visits. For banks and credit card companies, FreeMonee provides the opportunity to positively engage customers and strengthen loyalty.