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CUSTOMER LOYALTY REWARD PROGRAMS PROMOTING THE GOODS AND SERVICES OF OTHERS THROUGH INCENTIVES IN THE NATURE OF COUPONS, PREMIUMS, FREQUENT FLIER MILES, AND CONVERTING SUCH COUPONS, PREMIUMS, AND FREQUENT FLIER MILES INTO A CURRENCY AND REDEEMING SUCH COUPONS, PREMIUMS, AND FREQUENT FLIER MILES VIA THE CURRENCY
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