Columns
December 8, 2014
Fred Thompson is retail practice leader at LoyaltyOne
{"ct":"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","iv":"c991b819ac9137b84d8b0a22e6ee0390","s":"944ed4658a6c7cef"}
Share your thoughts. Click here