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Every version of the platform is reserved for the sponsor’s members only. These members may be clients, such as when an insurance company wants to offer the program to their customers, or employees, when it is offered by an employer. These members are able to buy and reload shopping cards from selected 1st tier retailers – shopping cards branded with different retailer’s logos. As soon as a shopping card is loaded, the member automatically earns a reward, perhaps a 10% bonus. The cards are curated on a mobile phone app which allows members to choose, reload, and redeem their cards at their own convenience.