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3Pea International, Inc. (TPNL)

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About 3Pea International

3PEA International (TPNL) is an experienced and trusted prepaid debit card payment solutions provider as well as an integrated payment processor that has millions of prepaid debit cards in its portfolio. Through its PaySign brand, 3PEA designs and develops payment solutions, prepaid card programs, and customized payment services. 3PEA manages programs for many of the world’s largest pharmaceutical manufacturers with copay assistance products designed to maximize new patient acquisition, retention and adherence. 3PEA’s corporate incentive prepaid cards are changing the way corporations reward, motivate and engage their current and potential customers, employees and agents. 3PEA’s customizable prepaid solutions offer significant cost savings while improving brand recognition and customer loyalty. 3PEA’s customers include healthcare companies, major pharmaceutical companies and source plasma providers, large multinationals, prestigious universities and social media companies.

Financial Highlights

--> Explosive Growth with 2014 revenue up 63% and Net Income of $2.61M up from $0.611M in 2013 (With Q4 of 2014 showing incredible improvement with $2.8M of net earnings and 0.07 EPS in one quarter!)

--> Strong improvements in short-term liquidity, debt profile and cash on hand in 2014 
     * Unrestricted Cash up from $1.027M to $3.886M
     * Overall Working Capital improves to a positive $1.802M (as at YE2014) with Current ratio increasing from 0.90 in 2013 to 1.20
     * in Q1 2015 the company further improved its debt profile by paying off a total of $817,950 in notes payable further improving its financial metrics  (Working capital and short-term liquidity likely even better than figures
       mentioned above)    

--> Cash flow has immensely improved with operating cash flow increasing to $3.082M for 2014 from ($0.620M) in 2013; Net change in cash for 2014 was $2.859M.

--> Overall share count (non-diluted) has decreased to 36,669,106 from 38,936,106 in 2013 due to the company buying back 2.44M shares.

--> As per a recent OTCQB filling the company's management and directors own 71.8% of shares (incredibly low float!)

--> Company reports currently having the most robust pipeline of potential customers in its whole history! There is also mention of aggressively pursuing opportunities in the European Union (where they have opened a
      satellite office per the recent filling).      

         State of the Art Payment Processing Platform - PaySign

PaySign is 3Pea's brand that represents a revolutionary payment processing solution that took years of development. It is a reflection of 3Pea's commitement to providing innovative, cost effective, customizable payment solutions to a variety of industries for multiple purposes. The platform was designed to easily incorporate new payment technologies and applications as they evolve, keeping 3Pea at the forefront of payment innovation.


PaySign's Key Features

--> The platform is equipped to facilitate EuroPay, mastercard and Visa smart card system payments on a global basis.

--> PaySign meets PCI-DSS 2.0 compliance and facilitated 3Pea's certification as a Level 1 service provider (issuer), gateway/switch, prepaid services and
      issuer processing provider.

--> Provides a seamless user interface through client friendly online card management as well as an efficient card activation and cardholder inquiry process
     done through interactive voice response and two way messaging.

--> The Paysign Brand comes with its own line of prepaid debit cards which targets the corporate sector, consumers and public sector applications.  

--> 3Pea entered into an agreement with Visa to exclusively offer Visa branded prepaid cards for its PaySign brand. This solidifies 3Pea's position in the prepaid
      industry by giving it the backing of a leader in global payments as well as solidifying the company's reputation and brand recognition.

--> Provides increased flexibility and efficiencies that will significantly reduce time and costs related to card program development and customization, resulting
      in increased operating margins.


 PaySign Solutions/Applications 

The PaySign Platform is extremely flexible and can be used in the following industry-specific applications.

--> Corporate Incentives: In a market that is expected to grow to $26.5 billion by 2016, PaySign® corporate incentive cards are the perfect vehicle for
     corporations looking to engage and motivate their customers, employees, and trade partners. PaySign cards are perfect for customer rebates, employee
     bonuses and trade partner commissions. Examples of corporate incentive cards include prepaid cards used as incentives to purchase big ticket items such
     as automobiles, smartphones and major appliances.


--> Payroll: PaySign payroll cards reduce administration costs and streamline operations for companies looking to provide an efficient payment method for
     unbanked employees. The overall market for prepaid debit cards for payroll is expected to reach $66.4 billion by 2016.

--> Public Sector: Federal and local governments, educational institutions, and other public sector organizations are constantly looking to improve efficiency
     and reduce costs. The PaySign card for the public sector provides an effective way to reduce costs and inefficiencies, whether related to disbursements of
     public benefits or internal payments. The total prepaid card market for government payments is projected to reach $119.4 billion by 2016.

--> Pharmaceutical Co-Pay Assistance: 3PEA’s Allegiance Rx card is now available under the PaySign brand. Our co-pay assistance cards have been
     utilized by major pharmaceutical companies for brands such as Viagra®, Vyvance® and Restasis® to name a few.

--> Source Plasma Donors: Plasma collection companies nationwide can turn to the PaySign brand of cards for a customized payment solution for plasma
     donors. The PaySign solution offers either a customized Plasma Web portal solution or direct integration into donor management software.


Industry Sector Growth

--> First Annapolis published a study that projected that in the US, the total prepaid market could be worth up to $411B by 2016. This represents a cumulative 
      annual growth rate of 21% from 2011.
--> The largest sector is consumer reloadable cards which includes in majority prepaid debit cards which have experienced dramatic growth recently.


--> The trend for prepaid cards is not only a phenomenon in the United States. There remain large untapped growing markets all around the globe. The
      Mercator Advisory Group's Research Report found that as of 2009, in the top 30 ranked Global markets (excluding the US), there was a potential of
      $1,455.55B in the prepaid market.

Management Team


Mark R. Newcomer, President / Chief Executive Officer / Director

Mr. Newcomer serves as President and Chief Executive Officer of 3Pea International and has served as a Director since March 2006. From February of 2001 to present, Mr. Newcomer has served as Chairman and CEO of 3Pea Technologies, Inc., a payment solutions company he co-founded in 2001. Mr. Newcomer continues to be a driving force in guiding the company's growth through technology investments, acquisitions, new product lines, and strategic partnerships. Mr. Newcomer attended Cal-Poly San Luis Obispo where he majored in Bio-Science.

Brian Polan, Interim Chief Financial Officer

Mr. Brian Polan, served as the Company’s VP of Corporate Finance since October 2013, and VP of Investor Relations from June, 2012 to September 2013. From January 2010 to June 2012, Mr. Polan was a Financial Advisor with DLG Wealth Management, LLC. From 1983 to December 2012, Mr. Polan held various positions in the retail brokerage industry and was licensed as a general principal, options principal and municipal bond principal. Mr. Polan received his BS Degree in Business Administration from The State University of New York at Buffalo.

Christopher E. Newcomer, Chief Technology Officer

Mr. Newcomer serves as Chief Technology Officer of 3Pea International. From 2006 to 2009, Mr. Newcomer has played a key role in software development and architecture of 3Pea's processing platforms. From 2002 to 2006, Mr. Newcomer served as Founder and President of Newcomputing, a technology service provider and network design company specializing in the development and implementation of business software. Mr. Newcomer received his B.S. in Computer Science from California State University San Bernardino.

David R. Weiler, Director

Mr. Weiler serves as a Director of 3Pea International and has served as a Director since March 2006. Mr. Weiler has served as a Director of 3Pea Technologies, Inc., since August of 2002. Mr. Weiler began his career in 1979 as Systems Engineer and Systems Management Specialist for IBM, and continued his career as Management Consultant for Touche Ross & Co., and Senior Marketing Associate for LaSalle Partners, Inc. In 1988, Mr. Weiler relocated to Nashville, TN, to begin a career in the Healthcare Information Industry, including positions as Vice President, Sales for Inforum, Inc., Vice President, Sales for Criterion Health Strategies, and Vice President, Sales and Client Services for the MedStat Group. Mr. Weiler has earned a BA in Economics and an MM in Marketing, Quantitative Analysis, and Managerial Economics from Northwestern University.

Anthony E. DePrima, Esq., Secretary / Director

Mr. DePrima serves as Secretary and as a Director of 3Pea International, and has served as a director since October 2009. Mr. DePrima is a highly experienced attorney licensed in Arizona with broad corporate management experience. He has been an active member of the State Bar of Arizona since April 1967 to the present, and a former member of the American Bar Association. During this time he served as a Member of the U.S. Department of Commerce District Export Council for District of Arizona, and Chairman of the International Section of the Arizona Bar, Chairman of the Legal Advisory Committee of the Arizona Mexico Commission, and Director of the Arizona Mexico Commission. His law practice has included Corporate, Commercial, Business, International Trade and US Customs Law, as well as general trial practice with numerous court and jury trials. Mr. DePrima is currently a member of Lerch & DePrima PLC, attorneys. He is a Director and General Counsel of Coal Brick Oven Pizzeria, Inc., a Delaware corporation (Grimaldi's Pizzeria chain of restaurants). For over 20 years he has been Director and Secretary of Media Concepts, Inc., an Arizona corporation which publishes Native Peoples Magazine. Through the years he has held positions of Director, Chief Executive Officer, President, Secretary, Executive Vice President, and Chief Financial Officer of medium sized publicly traded companies. Mr. DePrima has a BS in General Business from Arizona State University School of Business, and Juris Doctorate from the University of Arizona.

Daniel H. Spence, Chief Information Officer / Director

Mr. Spence serves as Chief Information Officer and as a Director of 3Pea International, and has served as a director since March 2006. Prior to founding 3Pea Technologies, Inc. in 2001 with co-founder Mark Newcomer, Mr. Spence designed and developed secure middleware for Internet financial processing systems in various contract positions. From 1995-1997 Mr. Spence was Systems Manager at The Associated Press, From 1997-1999, Mr. Spence was Director of Technology Planning at The Associated Press, the world's largest news gathering organization with over 4000 employees in 227 countries. From 1984-1994, Mr. Spence was with Coca-Cola in Australia implementing financial and line of business systems for Coca-Cola operations worldwide. He has 20 years experience deploying large-scale technology solutions for major international corporations.


SEC Legal Counsel
Robert J. Mottern, Esq.
The Investment Law Group of Gillett, Mottern & Walker, LLP
1230 Peachtree Street, N.E., Suite 2445
Atlanta, GA 30309
SEC PCAOB Auditors
Dennis Sarna, CPA
Sarna & Company, CPA's
301 N. Westlake Blvd., Suite 270
Westlake Village, CA 91362

Stock Transfer Agent:

Corporate Stock Transfer
3200 Cherry Creek Dr. South
Suite 430
Denver, CO 80209
Telephone: (303) 282-4800
Facsimile: (303) 282-5800

Contact Information:

3PEA International:
Brian Polan, 702-749-7234
VP Corporate Finance

3PEA Investor Relations:
MZ North America
Greg Falesnik, 949-385-6449
Vice - President

Follow/Like 3Pea International for up to date news releases (click icon below):



Click Here For the Company's Corporate Snapshot

Articles About 3PEA International

Seeking Alpha (Dallas Salazar) - 3Pea International: Entry Into Automotive Sector Creates Unique Big Data And Analytics Opportunity - 2015-04-23

Seeking Alpha (Dallas Salazar) - Initiating 3Pea International: FCF Positive, High Growth And Operating Leverage - 2015-04-21

MicroCap Daily - A Look at 3pea International (OTCBB:TPNL) - 2015-03-26

Seeking Alpha -  Everyone Wants Their Hands On The Prepaid Card Industry - 2013-04-12

*This document contains projections and other forward-looking statements regarding future events. Such statements are predictions, which may involve known and unknown risks, uncertainties and other factors, which could cause the actual events or results and objections to differ materially from those expressed.


- 3Pea Internationals' Recent Developments -

- 2014-09-29 - Creation of an advisory board of seasoned industry professionals for insight and strategic direction
- 2014-10-02 - Launches its PaySign brand of prepaid cards
- 2014-10-07 - The Interstate Companies Selects 3PEA’s PaySign Prepaid Solution for Plasma Collection Centers
- 2014-10-08 - 3PEA International Welcomes Former Ford Motor Land Services President Alex Goldberg to Its Advisory Board
- 2014-10-09 - Revenue Guidance for 2014 of $9.25 Million to $9.75 Million (47-55% growth) with record net income
- 2014-10-14 - Visa and 3PEA International Execute Branding Agreement for 3PEA’s PaySign® Brand
- 2014-10-21 - 3PEA International and Haemonetics Partner to Integrate PaySign Connect with Haemonetics’ Donor Management System
- 2014-10-22 - 3PEA International Welcomes Plasma Industry Technologist Lenny Goodman to its Advisory Board
- 2014-10-28 - B Positive National Blood Services Selects 3PEA International’s PaySign as its Exclusive Donor Payment Solution
- 2014-10-29 - 3PEA International Board Approves Share Repurchase Program for 2.7M shares (approx. 7% of market capitalization)
- 2014-11-13 - Released Third Quarter Results with Revenue Up 61% to $1.7M; Gross Margin Up 630 Basis Points to 36.7%
- 2015-02-26 - 3Pea International Acquires 2.4 Million Shares (~6% of float)
- 2015-03-25 - 3Pea Announces Record 2014 Earnings! (Revenue Soars 63% to $10.2M with a Net Income of $2.6M up from $0.60M in 2013)
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Current Price
Bid Ask Day's Range
TPNL News: Statement of Changes in Beneficial Ownership (4) 11/30/2016 04:47:10 PM
TPNL News: Statement of Changes in Beneficial Ownership (4) 11/22/2016 04:51:03 PM
TPNL News: Statement of Changes in Beneficial Ownership (4) 11/18/2016 02:46:48 PM
TPNL News: Current Report Filing (8-k) 11/16/2016 02:15:29 PM
TPNL News: Current Report Filing (8-k) 11/16/2016 11:53:45 AM
#2201   not a bad guess considering we go from mrdecember123 12/01/16 02:02:51 PM
#2200   EBRIE, I wouldn't be surprised if a good chilar4567 11/30/16 05:49:56 PM
#2199   New Filling is Up with CFO buying a ebrie014 11/30/16 05:14:34 PM
#2198   Well there was the CFO Polan buying another rigdowntex 11/30/16 05:03:51 PM
#2197   Andy, far as I know there have been chilar4567 11/30/16 04:38:26 PM
#2196   Not sure... but massive amounts of buyers stepping ebrie014 11/30/16 02:00:16 PM
#2195   Any idea who is doing the selling? Is Andy3077 11/30/16 12:10:01 PM
#2194   The only shares available need to be reached chilar4567 11/29/16 12:15:31 PM
#2193   TEX, Looking at the last form 4, he chilar4567 11/24/16 09:40:52 AM
#2192   I wonder if our CFO picked up any rigdowntex 11/23/16 05:05:05 PM
#2191   My friend chilar introduced me to TPNL awhile PEACHMAN 11/23/16 07:59:55 AM
#2190   EBRIE, Now that's what I would call a chilar4567 11/22/16 10:58:29 PM
#2189   Trump's bark turned out to be worse than mrdecember123 11/22/16 07:55:04 PM
#2188   More insider buying: ebrie014 11/22/16 07:35:37 PM
#2187   I think we all can agree that we've rigdowntex 11/22/16 07:30:58 PM
#2186   TODAY'S VOLUME 9X AVERAGE. chilar4567 11/22/16 06:14:39 PM
#2185   Thanks Peach. chilar4567 11/22/16 06:09:52 PM
#2183   We're still under the radar. chilar4567 11/22/16 05:26:17 PM
#2182   With the CFO buying shares which hasn't happened rigdowntex 11/22/16 01:06:16 PM
#2181   the ask looks as if its setting up mrdecember123 11/22/16 11:52:50 AM
#2180   ODD LOT game playing this morning: chilar4567 11/22/16 10:38:31 AM
#2179   i surely didn't mean to imply it be mrdecember123 11/20/16 06:02:56 PM
#2178   Mr D, I'll be willing to acquire more chilar4567 11/20/16 02:05:10 PM
#2177   i second your throwing- and hope someone might mrdecember123 11/20/16 02:00:23 PM
#2176   With the new Trump regime coming into power rigdowntex 11/20/16 11:47:16 AM
#2175   "Offers" will re-initiate this coming week imo with mrdecember123 11/20/16 07:42:30 AM
#2174   82K today> offers drying up: chilar4567 11/18/16 04:04:57 PM
#2173   hweb, far as I know NEVER. chilar4567 11/18/16 04:01:02 PM
#2172   I looked it up and don't see any ebrie014 11/18/16 03:49:46 PM
#2171   insider buying at these levels is as good mrdecember123 11/18/16 03:43:20 PM
#2170   Yeah great sign! When's the last time hweb2 11/18/16 03:30:01 PM
#2169   Management Buying in Open Market: ebrie014 11/18/16 03:07:02 PM
#2168   welcome to our two new board members mrdecember123 11/18/16 08:27:11 AM
#2167   Small float's change everything--quite doable in 2017....probably after mrdecember123 11/17/16 04:29:57 PM
#2166   Quarterly results were solid and it was an hweb2 11/17/16 04:24:01 PM
#2165   Props to mgmt- props to shareholder's- this is mrdecember123 11/17/16 04:10:38 PM
#2164   mr d, large bid, no sellers chilar4567 11/17/16 01:36:42 PM
#2163   Large bid today @ .31 but no sellers chilar4567 11/17/16 01:33:43 PM
#2162   new 52 wk high breakout------------with many more new mrdecember123 11/17/16 10:19:01 AM
#2161   REPOST FOR NEWBIES: Here are the latest multiples mrdecember123 11/16/16 07:11:48 PM
#2160   for all to appreciate: chilar4567 11/16/16 05:57:15 PM
#2159   Agree Swamp, it was an obvious "mark" if chilar4567 11/16/16 05:40:38 PM
#2158   LoL, maybe it's a partial fill and the rigdowntex 11/16/16 04:57:29 PM
#2157   .3699:Ended on a false note, I mean 100 swampboots 11/16/16 04:17:00 PM
#2156   WOW, got some, not enough tho. chilar4567 11/16/16 03:25:12 PM
#2155   I hope you got some at 25 as WOW23P 11/16/16 12:38:26 PM
#2154   Wow.. guess they decided to start PR's after all... ebrie014 11/16/16 11:05:40 AM
#2153   Better late then never. I'll settle for late Homeland 11/16/16 10:57:06 AM
#2152   You were so right in everything except the swampboots 11/16/16 10:11:36 AM