Columns
December 8, 2014
Fred Thompson is retail practice leader at LoyaltyOne
{"ct":"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","iv":"ae29f6685abdc0a30e6728f06dad0846","s":"7bea3ca6bc95e258"}
Share your thoughts. Click here