Incentive award programs to promote the sale of products and services of others; customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes; customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes on a wide range of consumer products and services, activities and events, and which provide discounts and savings in the fields of automotive vehicles, automotive products, services and maintenance, travel, shopping, health, dental, entertainment, home improvement, legal, financial, and consumer protection; promoting the sale of credit card and debit card accounts through the administration of incentive award programs and loyalty programs; direct mail advertising services; marketing services, namely, business marketing consulting to banks, credit unions, and other financial institutions, retailers and other service providers; strategic brand consulting, concept and creative brand development in the field of direct marketing; customer services marketing; database management; operation of telephone call centers for others; developing promotional campaigns for banks, credit unions and other financial institutions to offer to customers and proprietors of small businesses; promoting the goods and services of others through the operation of consumer benefit membership clubs and programs that provide discounts and savings on a wide range of consumer products and services, activities and events, and which provide discounts and savings in the fields of automotive vehicles, automotive products, services and maintenance, travel, shopping, health, dental, entertainment, home improvement, legal, financial, and consumer protection; promoting the sale of goods and services of others through promotional contests on behalf of credit and debit card issuers, banks and other financial institutions, retailers, and a wide range of other industries