Columns
December 22, 2014
Dennis Armbruster is vice president of LoyaltyOne
By a Luxury Daily columnist
{"ct":"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","iv":"33b0acbc8814ff5b6b3f6574977fec17","s":"de0a1fe6a55432f5"}
Share your thoughts. Click here