Arranging and conducting incentive reward programs to promote the sale of financial lending services, banking and personal financial management services, mortgage lending services, personal credit reporting and monitoring services, credit card services, real estate and vehicle sales and purchasing services, and residential solar power systems and services; arranging and conducting incentive reward programs through the issuance and processing of loyalty points and credits redeemable for goods and services; providing an incentive reward program through the issuance and processing of loyalty points and credits earned and redeemable across a family of companies