Operation and administration of loyalty and incentive award programs; promoting credit cards and credit accounts by means of loyalty and incentive award programs; promoting the sale of goods and services of others by means of loyalty and incentive award programs; business administration of consumer loyalty programs; advertising, marketing, and promotional services in the field of loyalty and incentive award programs; data analysis and data modeling; consumer survey services; conducting surveys of consumers in relation to purchasing behavior; consumer credit and purchase behavior forecasting; business marketing and advertising consulting services; advertising, marketing, and promotional services in the field of consumer financing products and services; advertising and marketing consultancy in the field of consumer financing products and services; managing marketing and advertising campaigns for others; direct marketing and direct advertising services for others