American Card Technology, Inc.
Proposed Ticker:ACRD 1355 Terrell Mill Road, Building 1462, Suite 200
Exchange:NASDAQ-Small Cap Market Marietta, GA 30067
Industry:High-Tech (SIC Code 7379) (770) 951-2284

Filing Information
Type of Shares:Common Shares Filing Date:2/3/97
U.S. Shares Filed:1,500,000 Filing Price:$5.00
Non-U.S. Shares Filed:0 Offering Amount: $7,500,000
Primary Shares:1,500,000 Expenses:$229,500
Secondary Shares:0 Shares Out After:4,125,000

Primary Underwriting Group
ManagerTierPhone
Whale Securities CompanyLead Manager (212) 484-2057

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Zimet, Haines, Friedman & Kaplan
Bank's Law Firm: Tenzer, Greenblatt, Fallon & Kaplan
Auditor: BDO Seidman
Registrar/Transfer Agent: American Stock Transfer & Trust Co

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
9 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/95 9/30/96 9/30/95 9/30/96
Revenue:$0.07$0.02$0.07Assets:$0.36
Net Income:-$1.02-$0.93-$0.65Curr Assets:
EPS:-$0.37-$0.34-$0.24Liabilities:$1.91
Prior EPS:-$0.16-$0.93-$0.65Curr Liabilities:
Cash Flow/Oper:-$1.02Equity:-$1.56
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The company, a development stage company, was organized to design, develop and market high security, flexible, multiple application smart card systems. A smart card is a credit card-sized plastic card containing a microchip that provides the card with memory storage capabilities in a secure environment and, in advanced versions such as the company's, enables the card to perform data processing functions. Smart card systems are typically used by government agencies or commercial enterprises to store, access and modify participant or customer information. The company's proprietary smart card technology and software enable system sponsors to store data on a user's smart card, and enable the systems sponsor, or a service provider authorized by the system sponsor to access user information, to access, read, input, delete, modify and process such data. The company designs its smart card systems to perform functions for various target markets, such as employee licensing, animal health and registration, frequent patron tracking and various government applications, depending on the system sponsor's needs.The company believes that its smart card systems, which offer the capability to perform multiple functions on a single card, provide enhanced security and privacy protection not offered by existing smart cards and position the company to capitalize on perceived market opportunities for information systems incorporating smart card technology.

Use of Proceeds
The proceeds from the proposed offering will be used for repayment of indebtedness; research and development; sales and marketing; repayment of certain outstanding obligations; and the balance for working capital and general corporate purposes.

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