Cass Information Systems, Inc. (Cass) is a provider of payment and information processing services to large manufacturing, distribution and retail enterprises across the United States. Cass provides freight invoice rating, payment, audit, cost accounting and transportation information to other companies. The Company is also a processor and payer of utility invoices in the United States, including electricity, gas, water, telephone and refuse collection. Cass extracts, stores and presents information from freight and utility invoices, assisting its customers traffic and energy managers in making decisions that will enable them to improve their operating performance. Cass utilizes Internet technologies, such as Web-based applications and browsers, in all of its systems. It heavily utilizes e-commerce in transferring over $10 billion in transactions annually, and integrates financial and transaction processing into a single process.