GE Consumer Finance's loyalty programs range from offers of incentives for our customers to use only the store card to full retail initiatives that incent customers for purchases regardless of what form of payment a customer uses. Our extensive experience of loyalty programs, in multiple retail sectors, enables us to drive significant incremental sales through well-structured programs. Loyalty programs are a key enabler to identifying, retaining and maximizing the value of a retailer's best customers. Studies have shown that approximately 20% of customers account for almost 80% of a retailer's sales. To optimize sales and profits, retailers are now focusing on their best customers.