FreeMonee delivers customized gifts of money to cardholders of major financial institutions, allowing them to purchase anything they want at designated stores or restaurants. These gifts are determined by FreeMonee's Gift Underwriting Engine to ensure high consumer interest and return on ad spend for merchants. Unlike traditional coupons, FreeMonee Gifts feel like a friend's gift card, providing a positive customer experience. For retail marketers, FreeMonee Gifts help attract profitable customer visits without discounting, while banks and credit card companies can engage customers and strengthen loyalty. With $45 million in funding and partnerships with top U.S. financial institutions, FreeMonee expects 50 million households to have access to their gifts in 2012.