The company has developed a web and social media platform that enables public companies to sell their stock directly to customers on their Facebook page or website in just 3 clicks, careating more loyal consumers.  According to Bain & Company – customers that are owners spend 54% more, refer 2x the people and increase frequency of visit 68% over ordinary customers.  This innovative branding and loyalty platform is called a Customer Stock Ownership Plan™, or CSOP™.   LOYAL3’s newest technology is an IPO CSOP™ where customers purchase IPO shares at the same price as large institutions.  Issuers benefit by rewarding customers with coveted access to initially priced IPO shares – enhancing loyalty and retention.  LOYAL3 is committed to democratizing the market, making stock ownership easy and affordable for tens of millions of everyday Americans.Klein.  In addition to his current position at LOYAL3, has built, launched and managed technologies and brands at Hill Holiday Advertising (US and Europe), Dun & Bradstreet, Harley-Davidson, Internet Profiles Corp., Liquid Audio, StockPower and Line 6. Working closely with Chris Brahm, Director of LOYAL3, Stephen was instrumental in the development of using stock ownership as a powerful consumer loyalty currency. Stephen received a BA degree from UMass at Amherst and an MBA from Harvard.