LOYALTY PROGRAMS



       BEST OF BON TON (BON-TON)

When a customer spends $500 to $799 on their Bon-Ton card, they
qualify for Best Of Bon-Ton membership and status.
All the benefits Bon-Ton charge customers recieve, plus:

     *Special Best of Bon-Ton Card
     *Exclusive Best of Bon-Ton Discount Days
     *Subscription to Best of Bon-Ton Members Only Newsletter
     *Priority Customer Service Helpline
     *Special E-Mail Updates on Events and Offers
     *Personal Notice of Sales via Phone or E-mail
     *Personal Check Cashing Privilages (Up to $100)

When a customer spends more than $800 on their Bon-Ton charge
card, they've earned the Best Of Bon-Ton Marquis member status.
All the benefits Bon-Ton customers and Best of Bon-Ton members
recieve, plus:

          *Payment Holidays Twice a Year
          *Double Club Card Punch Certificate
          *Free Package Delivery Twice a Year
          *Thank You Gift
          *Marquis Rewards Events(+10% off)
          *Distinctive Best Of Bon-Ton Marquis Card


















       GOLDEN HIBISCUS (LIBERTY HOUSE)



A customer is eligible for annual membership in the exclusive
Golden Hibiscus CLub when they charge $5,000 or more in net
purchases a year on their Liberty House Card. Members receive
a special gold credit card, complimentary Liberty House services
and benefits from select Golden Hibiscus Club partners.




  PERK$ PROGRAM (LIBERTY HOUSE)


LH Perk$ is a frequent shopper reward program for Liberty House
credit card customers. The customer earns 1 LH PERK for every
$1.00 dollar charged on their Liberty House card. LH Perk$ will
be posted on billing statements.

The customer earns LH Perk$ automatically every time they charge
with their Liberty House Credit Card and are rewarded with an
annual LH Perk$ Award Certificate. LH Perk$ is exclusive for
LH Credit Card Customers.


The more the customer buys with their Liberty House Credit Card,
the bigger their LH Perk$ Award will be.

The LH Perk$ Award percentage is determined by the number of
LH Perk$ the customer earns annually through January 20th.

The value of the LH Perk$ Award Certificate is based on their
annual total of LH Perk$ plus Bonu$ Perks.













       Applause Program (Jacobson's)



Applause is a frequent shopper incentive program for Jacobson's
customers. When an account qualifies for the Applause program
the customer is sent a coupon which is good until the end of the
Month that it is issued.

Example: If the Account qualifies 9/24, the certificate is
dated in early October for use only in October.


When a customer spends $1500 or more using their Jacobsons charge
card within a calender year they'll be sent a Jacobsons Applause
card that is good for 20% off any regularly priced merchandise
and services in any Jacobsons store for one day.

Each time the customer spends another $500 using the Jacobsons
charge card, they'll receive another Jacobsons Applause card.
The customer can receive up to 12 cards per year, one billing
period. They will automatically qualify to receive Applause
cards the next year.

Instead of paying 20% of the balance each month, the customer
can pay a minimum of only 10% of the balance.








       Loyalty Program (Fashion Bug)



Recognizing and retaining loyal customers is of great importance
to retailers. ADU's Private Label Credit Card Software contains
programs and Data fields that will support loyalty sales or points,
personal rewards asurance, and a variety of POS options for the
loyal customer.

 * Loyalty programs enhance profitibility and increase customer
   retention.

 * Rewards customers for reaching sales tiers.

 * Develope new membership acquisition programs and incentives.