BREAD FINANCIAL

Administration of loyalty programs and incentive award programs to promote the sale of products and services of others; promoting the sale of 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; business data analysis; consumer survey services; conducting surveys of consumers in relation to purchasing behavior; economic forecasting in the field of consumer credit and purchase behavior; 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; marketing consulting, namely, development of marketing and advertising campaigns for others; direct marketing and direct advertising services for others