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| The Internet |
| The explosive growth of the internet has presented significant business challenges and opportunities. The challenges lay in accurately predicting how the business value chain will be affected in taking products to market, and in responding to the shift in power to the customer side of the ledger. The opportunities are to create "customer-centric" responses to these pervasive changes. Affinity combines extensive loyalty marketing and data mining expertise with an understanding of the potential of the internet, to deliver enhanced B2B and B2C customer relationships and revenues. |

| Non Traditional Competitors |
| While large corporations historically provided products and services within single categories, the need to develop new revenue streams and deliver more value to the customer relationship has resulted in new forms of competition. Retailers now provide telecommunications and energy services; internet buying pools negotiate arrangements for a broad array of products and services; and technology is yielding new wireless and information services that replace traditional sources. Affinity delivers effective off-line and on-line strategies to differentiate you from your competitors. |

| Clutter |
| Consumers and businesses are overwhelmed with information, advertising and offers from all fronts - in print, by direct mail, and on the internet, by telephone and through in-person sales. It has become difficult to obtain customer share of mind with so many options and messages creating clutter in the marketplace. Affinity develops effective, highly targeted customer retention and acquisition initiates that cut through the clutter. |

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