Exhibit 10.22

CONFIDENTIAL TREATMENT HAS BEEN REQUESTED FOR CERTAIN REDACTED PROVISIONS OFTHIS AGREEMENT. THE REDACTED PROVISIONS ARE INDICATED BY THREE ASTERISKSENCLOSED BY BRACKETS AND UNDERLINED. THE CONFIDENTIAL PORTIONS HAVE BEEN FILEDSEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION.

Stored Value Product Agreement between

Adaptive Marketing LLC

and

NBO Systems, Inc.

THIS AGREEMENT, dated as of November 19, 2004 (the"Effective Date"), is by and between **Adaptive Marketing LLC**, a Delawarelimited liability company ("Adaptive"), with offices located at 680 WashingtonBoulevard, 11th Floor, Stamford, Connecticut 06901, and **NBOSystems, Inc.** ("Vendor"), with offices located at 3676 W. California Avenue,Building D, Salt Lake City, Utah 84104. Adaptive and Vendor may be referred tohereinafter together as the "Parties" and individually as a "Party".

WHEREAS, Vendor is in the business of developing,marketing, owning and operating remote distribution, fulfillment and processingsystems for stored value cards, reward/incentive/promotional programs, GiftCards, gift certificates, gift rights, vouchers, and other instruments(collectively "Stored Value Products" or "SVPs") allowing the giving of a rightto receive a credit toward the purchase of merchandise or services.

WHEREAS, Adaptive designs and markets various membershipprograms that offer rebates and/or other benefits ("Programs") to certainProgram participants ("Members");

WHEREAS, Adaptive wishes to offer to certain of itsMembers the ability to purchase from Adaptive the SVPs and receive a commissionfor a portion of the purchase price of the SVPs (the "Benefit"); and

WHEREAS, Vendor wishes to provide Adaptive the ability topurchase Vendor SVPs under the financial terms identified herein, for use byMembers pursuant to this Agreement;

NOW,**THEREFORE,**in consideration of the mutualpromises and covenants contained herein, the receipt and sufficiency of whichare hereby acknowledged, the Parties hereby agree as follows:

1. SVP Cards.

(a) During the Term (as hereinafter defined)				and as provided herein, Vendor agrees to sell to Adaptive, and				Adaptive agrees to purchase SVPs from Vendor in those				denominations and under such terms as set forth in **Exhibit A**,				annexed hereto, which is incorporated by reference herein and				made a part hereof.

(b) Adaptive will submit SVP purchase orders				to Vendor in the minimum amounts in accordance with **Exhibit				A, Item 1**. Inactive SVP Cards will be shipped from Vendor				via trackable ground delivery method to Adaptive at Vendor's				sole expense within three (3) business days of the date Adaptive				submits such purchase order in accordance with **Exhibit A**attached to this Agreement. In the event that Adaptive requires				a rush shipment of SVPs, such SVPs will be shipped via the				common carrier of Adaptive's choice, and at Adaptive's expense.				Adaptive accepts sole and full responsibility, financially and				otherwise, for all inactive SVPs once received via a trackable				method from Vendor. Adaptive shall use all reasonable efforts to				secure inactive SVP inventory. For the purposes of this				Agreement, an "inactive" SVP shall be a stored value card				pre-denominated with a redemption number, but without a present				ability to use or redeem the SVP until such time that Adaptive				contacts Vendor and authorizes Vendor to activate a				pre-determined range of SVP numbers. At such time, said range of				then activated SVP Cards will be ready for immediate Member use,				subject to receipt of good funds as specified in paragraph 1.d.				below.

(c) Vendor will use its best efforts to				supply Adaptive with such specific products, services and				pricing, which will differ on case-by-case basis, as Adaptive				may require from time to time. Vendor reserves the right to				change or modify its products or services as needed or

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mandated without prior approval from				Adaptive, unless such change or modification affects the pricing				particular to products or services provided to Adaptive, as				defined by the applicable Exhibit to this Agreement. Such				product or service changes or modifications requiring pricing				changes shall be agreed upon by the Parties prior to				implementation by Vendor, and shall be adopted by Amendment to				the applicable Exhibit in this Agreement.

(d) Adaptive shall submit a written request				for SVP activation, which may be transmitted to Vendor				electronically by email or fax. Along with said request,				Adaptive shall make payment to Vendor via ACH or wire transfer				according to the terms and conditions identified in **Exhibit A**and 1(g) below.

(e) Adaptive agrees that the pricing				contained in **Exhibit A**is based upon a minimum annual				purchase of **[* * *]** SVPs, based on the Effective				Date defined above. Minimum quantity per order for inactive SVPs				shall be **[* * *]** SVPs. In the event that Adaptive				does not meet the minimum annual purchase requirement upon the				first anniversary of the Effective Date of this Agreement,				Vendor's only recourse shall be: (a) to cancel this Agreement				upon ninety (90) days' written notice and retain all earned but				unpaid Adaptive revenue sharing; or (b) to reserve the right to				renegotiate the financial terms in **Exhibit A**to reflect				actual Adaptive SVP purchase volume on a going forward basis.

(f) Vendor agrees to allow Adaptive to create				and implement one (1) private labeled SVP design, at no cost to				Adaptive, pursuant to the terms set forth in the attached **Exhibit A**. Additional private-label SVPs will be created and				implemented by Vendor at a minimum cost to Adaptive of **[*				* *]**. Complex custom design costs may exceed **[* *				*]**. Said costs will be approved by both Parties in				writing before a production order is placed by Vendor for said				custom SVP design.

(g) Vendor acknowledges and agrees that				Adaptive may: (i) resell the SVPs to Members at a discounted				rate off the face value of each SVP, which discounted rate shall				be determined by Adaptive in its sole discretion; (ii) resell				the SVPs to Members at face value of each SVP and then, at the				end of the month, credit/rebate a portion (to be determined by				Adaptive in its sole discretion) of the SVPs face value back to				the Members' account used to purchase the SVP; (iii) limit the				number of SVPs each Member may purchase from Adaptive during a				membership year; (iv) give the SVPs to Members free of charge.				In all cases listed herein, Adaptive shall ensure Vendor				receives full payment in good funds via ACH or wire transfer for				the full face value of all SVPs sold or distributed to Members				by Adaptive on the same day SVPs are sold or distributed to				Members. If full payment is not received within 24 hours of				distribution or sale, Vender reserves the sole right to				de-activate any/all SVPs sold or distributed for which full				payment has not been received.

(h) SVPs shall be in the form and of				materials specified by Vendor and Vendor's associated processing				partners as described in **Exhibit A**. All SVPs issued will				include the Terms and Conditions document that apply to use of				that specific SVP. SVPs may be used in whole or in part for				purchasing merchandise and/or services up to the amount of the				initial value loaded, or the amount of available balance				remaining on the SVP at that time, provided a Merchant follows				the redemption procedures set forth by Vendor and/or the issuing				bank/association. Vendor guarantees payment to such				participating Merchant in accordance with the terms of this				Agreement. Such redemption procedures shall be governed by				processor, issuer and association regulations. Expiration terms				and balance inquiry fees are defined in **Exhibit A**.

(i) SVPs issued per the terms of this				Agreement can be used to purchase merchandise or services from				any participating merchant applicable to the related SVP issuing				bank/association. Neither Adaptive, nor any third party				represented by Adaptive, shall have

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a financial obligation under the SVP Program				to make any payments to merchants. Vendor, issuing				bank/association and Vendor's SVP Program financial partner				shall each retain the obligation to pay to appropriate				participating merchants all or a portion of the purchase price				of merchandise or services, depending upon the amount of the				purchase made and the balance of available funds to be deducted				from the SVP balance remaining at time of purchase. All SVPs				issued or distributed by Adaptive, or a third party represented				by Adaptive, shall include the Terms and Conditions document				containing some or all of the following language, or language				similar thereto, which is incorporated into this contract by				reference:

"The Terms and Conditions are a contract				between the holder, Vendor, the processing network and Adaptive.				When presented to a participating merchant for the purchase of				merchandise and/or services, Vendor has the obligation to pay				the merchant all or part of the purchase price, to the extent of				the remaining value of the SVP. The remaining value is equal to				the initial value loaded on the SVP, less any previously used				amounts, less any fees or charges deducted from the SVP balance				by Vendor as detailed in the Terms and Conditions accompanying				the SVP at time of issuance".

The following disclosures shall be				prominently printed/displayed on the SVP and/or the Terms and				Conditions provided with each SVP issued:
-  SVP is not redeemable for cash. 
-  Subject to Expiration except where						prohibited by law.
-  For use at all participating stores						that display the applicable association/ processing						network logo.

(k) in addition to SVPs, Vendor may provide				to Members such special offers or value-added offers as the				Parties may agree in writing from time to time.

(I) Vendor shall use best efforts to provide Members		with high quality, courteous service.
**2.**Creative Materials.**Adaptive shall, at its	sole expense, design and print marketing materials used to communicate the	availability of the Benefit to Members. Adaptive shall be responsible for	its own sales, marketing, and promotional activities. Adaptive agrees to	obtain Vendor' prior written approval, subject to issuing bank/association	network approval, on the creatives for Adaptive materials (including,	without limitation, printed brochures, letters, inserts, scripts, e-mail	communications, coupons and Program web sites) containing Vendor or issuing	bank/association network trademarks, service marks, trade names and logos.	Notwithstanding Vendor's approval, Adaptive shall remain solely responsible	for such items and shall be solely responsible for sales, promotion, and	marketing activities.
**3.**Term; Termination; Effect of Termination.**Unless earlier terminated as provided in Section 1(e), this Agreement shall	be for an initial term of one (1) year commencing on the Effective Date (the	"initial Term"). Thereafter, this Agreement shall automatically renew for	successive terms of one (1) year each (a "Renewal Term"; each Renewal Term,	if any, together with the Initial Term, the "Term") from the end of the	Initial Term and any subsequent Renewal Term. This Agreement may be	terminated by either Party (a) immediately, upon notice, in the event of	fraud, bankruptcy, insolvency, liquidation or willful misconduct by the	other Party, or (b) upon thirty (30) days' notice to the other Party in the	event of a material breach by the other party that is not cured within such	ten (10) day period (unless such breach is not susceptible to cure, in which	case there shall be no cure period). Vendor agrees to fulfill all Adaptive	orders for the SVPs prior to the effective date of termination of this	Agreement, unless Vendor has notified Adaptive of a breach on the part of	Adaptive and such breach remains uncured at the time.
**4. Obligations of Vendor:**
(a) Vendor shall obtain and maintain all				necessary licenses and insurance to provide the SVPs and Vendor				Products.

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(b) Certain depository and other bank				accounts shall be established and managed by Vendor as described				in **Exhibit B**annexed hereto, which is incorporated by				reference herein and made a part hereof.

(c) Vendor shall provide the following				support in order for Members to check account balances:
-  Through the web site	http://www.myprepaidcard.info, which shall be maintained					by Vendor, at no charge to Adaptive;
-  Through an automated voice response					system, available 24 hours per day, 7 days per week and					maintained by Vendor, at no charge to Adaptive, at a charge					as specified in **Exhibit A** to the SVP holders account					balance;
-  Through a live Adaptive service					representative, to be available during normal business					hours, at a charge as specified in **Exhibit A** to the					SVP holders account balance.

(d) Vendor shall fulfill all Adaptive orders				for SVPs as stated herein, provided Adaptive is not in breach of				this Agreement.

(e) Vendor shall provide Adaptive with				prompt, written notice of any and all substantial changes to the				SVP, including, but not limited to the addition or termination				of Participating Merchants.
**5. Obligations of Adaptive.**
(a) Adaptive shall obtain and maintain during				the continuance of this Agreement, reasonable general liability				insurance adequate for its business activities in connection				with this Agreement.

(b) During the Term, Adaptive shall conduct				its business in accordance with all applicable Federal, state				and local laws and regulations. Adaptive shall obtain and keep				in force all permits and licenses required for Adaptive to				conduct its business activities in connection with this				Agreement.
**6.**Press Release.**Neither Party shall issue a	press release revealing or discussing the existence or contents of this	Agreement, or make any other public statement revealing or discussing the	existence or contents of this Agreement, without first obtaining the prior	written consent of the other Party.
**7.**Standard Terms and Conditions.**The Parties	hereto shall comply with and be bound by the terms and conditions set forth	in **Exhibit C**annexed hereto, which is incorporated by reference	herein and made a part hereof. In the event of any inconsistency between the	terms of this agreement and the terms of the attached **Exhibit C,**the	terms of the attached **Exhibit C**shall govern.
**IN WITNESS WHEREOF, each of the Parties has caused thisAgreement to be executed by its duly-authorized officer on the date firstwritten above.

Adaptive Marketing LLC

 

 

Signed: /s/ Idaptive Marketing LLC

By: Idaptive Marketing LLC

Its: Sole Member
NBO Systems, Inc:

 

 

Signed: /s/ CFoley

Title: CEO

Date: 11/19/04
 
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Exhibit A

1. **SVPs, SVP Design.** Vendor will provide Adaptive	a privately branded SVP Program under the following conditions:

a. SVPs shall be of standard credit card size and			thickness, shall include no more than four (4) colors on the face of			the SVP and one (1) color on the back of the SVP; a magnetic strips			and signature panel on the back, and must conform to applicable			issuing bank/association network specifications.

b. An SVP carrier ("Carrier" or "Packaging")			shall be supplied with each SVP and shall include the SVP Terms and			Conditions document.

c. Adaptive has full responsibility, financial or			otherwise, for all losses associated with lost, stolen, or			fraudulent activity of SVPs and Carriers entrusted to Adaptive.

d. Additional privately branded SVPs will be			created for Adaptive by Vendor at a minimum charge of **[* * *]**.

e. Customer acknowledges there is a production			lead-time of approximately 90 days once SVPs are ordered.

f. Minimum SVP order or re-order is **[* * *]**.

2. **Denominations.**SVPs will be sold to Adaptive by	Vendor in **[* * *]** denominations. No additional denominations	are contemplated by the Agreement or this **Exhibit A**.

3. **Service Fee. [* * *]**.

4. **Adaptive Commission.**Adaptive will be			entitled to a commission to be paid to Adaptive by Vendor, based			upon **[* * *].**
5. **Payment of Commission by Vendor to Adaptive.**Adaptive,**[* * *]**, as defined in Section 6(b) of this **Exhibit A**.

6. **Expiration Terns and Balance Inquiry Fees**
a. The SW expiration date is defined during the			SVP production and encoding process and is indicated on the face of			each SVP Card as a "Valid Thru" date. The SVP Card will expire on			such "Valid Thru" date.

b. SVP Cards shall expire no more than six (6)			months from the date of Account creation and shall not be extended.			For the purposes of this Agreement, "Account creation" shall be			defined as that time when Adaptive actually activates the SVPs. All			costs associated with unused, expired and obsolete SVP Cards are the			sole responsibility of Adaptive, based

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upon orders placed by Adaptive. All unused,			expired and/or obsolete SVP inventory in possession of Adaptive			shall be returned to Vendor at Adaptive sole expense. Vendor, upon			receipt, shall destroy said SVPs.

c. The holder of the SVP shall be charged a fee			of **[* * *]** against their SVP balance for use of the			automated voice response Balance Inquiry telephone number.

d. The holder of the SVP Card shall be charged a			fee of **[* * *]** against their SVP balance for Balance			Inquiries conducted with a live Adaptive or Vendor service operator.

7. **Reports.**Vendor shall provide Adaptive with a	unique login user id and password to access standard reports that detail the	progress of the Parties' business relationship. Standard reports shall	include, but not be limited to such reports that detail SVP purchases, SVP	activations, aggregated SVP redemption-by-participating merchant data, and	such additional reports as the Parties agree are normal and customary in the	incentive and promotion business. In the event that Adaptive requests	non-standard reports of any kind, Vendor will assess Adaptive a fee of **[* * *]**. Where a non-standard report is requested by Adaptive,	Vendor shall make its best efforts to fulfill the requirements of such	request and make such non-standard report available as quickly and	efficiently as possible. Where Adaptive requests custom (currently	non-existent) reports, such report development shall be made available to	Adaptive at a cost of **[* * *]**. Such payments by Adaptive to	Vendor must be made in advance of the reports release.

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**EXHIBIT BBANKING TERMS**
The following described procedures will be implemented withthe financial institutions after the Agreement is signed by both parties andprior to the issuance of any SVPs by Vendor.

1. **Depository Account.**Vendor shall	establish a depository bank account (the "Depository Account") to accept	payment for SVPs from Adaptive. Said payment may be by ACH (preferred) or	wire. Funds deposited into the Depository Account shall be used for transfer	of funds to accounts described below. Funds deposited into the Depository	Account for the cost of SVPs shall be swept into Vendor's operating accounts	at Vendor's discretion. Funds deposited into the Depository Account for the	full SVP denomination shall be swept into the Settlement Account on a	regular basis at a financial institution designated by Vendor. Service Fees	owed to Vendor by Adaptive in accordance with Section 3 of the attached **Exhibit A**to this Agreement must be received in the Depository Account	before SVPs are ordered by Vendor. Balances owed with regard to SVPs	activated by Adaptive must be received in the Depository Account on the same	day as SVP activation and in no case later than 24 hours after SVP	activation for each inactive SVP shipped.

2. **Required Accounts.**Vendor shall	establish any and all other bank accounts required to operate the SVP	Program including those specifically described below:

a.**Settlement Account -**Applicable		funds from the Depository Accounts as described in Item B.1 above shall		be swept into the Settlement Account on a regular basis located at the		Vendor designated financial institution. The required balance of the		Settlement Account shall be determined and communicated daily to the		financial institution by issuing bank/association via the SVP processing		partner. Vendor shall not have direct access to funds in the Settlement		Account. Funds in the Settlement Account shall first be used for		outstanding SVP redemption liability. Vendor earnings from the		collection of Account Maintenance Fees, Expiration Fees and all other		fees and all other income earned by Vendor per this Agreement shall be		paid to Vendor by the financial institution after a collaborative		determination by the issuing bank/association network and Vendor that		sufficient funds remain to honor outstanding SVP redemption liability		and are on deposit. Vendor shall determine and send commission payments		to Adaptive in accordance with Section 4****of the attached **Exhibit A.**
b. **Reserve Account -**Vendor has		deposited funds on reserve as a contingent liability for SVP redemptions		and for inadvertent or unforeseen events regarding the SVP Program.		Vendor shall be liable to ensure adequate funds are maintained at all		times to match the outstanding SVP redemption liability in the		Settlement Account. The issuing bank/association network reserves the		right to immediately suspend or discontinue subsequent SVP sales if		discrepancies exist.

3. **Account Funds.**Except for funds which	are earned by Vendor in the form of SVP costs, Account Maintenance Fees,	Expiration Fees, Account fees, interest, dividends, breakage, estimated	breakage and other income as set forth herein, all funds held in the	accounts established in this **Exhibit B** shall be held for the benefit	of SVP holders and the participating merchants who are entitled to payment	in connection with the use of the SVPs. With the exception of commissions	due by Vendor to Adaptive, funds are not the property of Adaptive and shall	be paid to Vendor, the Consumer, or Merchants, as applicable, and upon	redemption.

4. **Fees and Interest**. All fees charged by	the banks associated with the accounts above will be shared equally between	Adaptive and Vendor. All income, interest, dividends, breakage, estimated	breakage and other amounts earned on all of the accounts described above	shall be the sole property of Vendor and will be distributed to Vendor	regularly, except as detailed in the Commission terms of **Exhibit A**.

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**EXHIBIT C

1. Representations, Warranties and Covenants of the	Parties. Each Party (the "Representing Party') represents, warrants and	covenants to the other Party that: (a) the Representing Party is a	corporation duly organized, validly existing and in good standing under the	laws of its state of organization with full power to carry on its business	as presently conducted and as contemplated by this Agreement and to enter	into and perform this Agreement in accordance with its terms; (b) this	Agreement constitutes its legal, valid and binding obligation, enforceable	against the Representing Party in accordance with its terms; and (c) the	execution, delivery and performance of this Agreement has been duly	authorized by all necessary corporate actions of the Representing Party and	does not and will not conflict with, violate or breach its constituent	documents or any agreement, decree, order or judgment or any law or	regulation to which the Representing Party is a party or subject or by which	any of its properties or assets is bound.
**2.**Costs and Expenses.**Unless otherwise	specifically provided in this Agreement, each Party shall be solely	responsible for bearing its own costs and expenses incurred in performing	its responsibilities under this Agreement, including all tariffs, taxes,	filings, licensing and/or other fees.
**3.**Regulatory.**Each Party currently has, and	shall maintain during the Term, all federal, state, and local consents,	approvals, and licenses required to be obtained and/or maintained by that	Party in connection with its obligations hereunder.
**4.**State or Federal Laws and Regulations.**State (including political subdivisions thereof, hereafter together'State')	or Federal laws and regulations, and the interpretations of State or Federal	laws and regulations, including laws under which private lawsuits might be	brought, may change from time to time. The requirements of the issuing bank,	association and/or company regarding the format and wording of the SVPs and	the rules governing the use of the SVPs may change from time to time. All	such changes are beyond the control and planning of the Parties.	Accordingly, if through the application of law (which includes the	application or interpretation of State or Federal law or regulation, whether	by legislative action, regulatory action, judicial interpretation or	otherwise), or changes by the issuing bank, association and/or company, the	fees and revenues (together "Fees") to be collected by Vendor pursuant to	this Agreement cannot be collected in whole or in part, or must be refunded	or paid over to some other person, including any governmental entity, then	the Parties shall have the right to renegotiate the terms of this Agreement	to take such uncollectibility, refund or payment into account.
**5. Indemnification by Vendor**
(a) Vendor shall indemnify Adaptive and shall				hold Adaptive harmless from any and all liability, lawsuits,				claims, actions, threats, administrative proceedings, damages,				fines, levies, liens, garnishments, executions, loss of income,				costs, expenses, judgments, attorneys' fees, professional fees,				injunctions, business disruption, and other items (collectively				"damages") arising from any action, claim, proceeding, or threat				thereof, whether by any individual, company, entity,				partnership, class, group, association or governmental entity or				subdivision relating to or arising from the (i) the breach of				this Agreement by Vendor, (ii) the failure by Vendor to satisfy				any licensing law applicable to Vendor, (iii) the failure by				Vendor to comply with any law applicable to Vendor's business,				and (iv) the commission or omission of any act by Vendor that is				tortuous, fraudulent or in bad faith. These obligations shall				include, without limitation, the obligation by Vendor to advance				monies to Adaptive to cover damages at the time such damages are				incurred by Adaptive but prior to payment by Adaptive of such				damages to cover attorneys and professionals fee and retainers				paid to attorneys and professionals at the time such fees and				retainers are due, and all other costs and expenses necessary				for Adaptive to defend itself against damages at the time such				costs and expenses are due.

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(b) Promptly after receipt by Adaptive of				notice of any claim, liability or expense to which the				indemnification obligations hereunder would apply, Adaptive				shall give notice thereof in writing to the Vendor, but the				omission to so notify Vendor promptly shall not relieve Vendor				from any liability except to the extent that Vendor shall have				been prejudiced as a result of the failure or delay in giving				such notice. Such notice shall state the information then				available regarding the amount and nature of such claim,				liability or expense and shall specify the provision or				provisions of this Agreement under which the liability or				obligation is asserted.

(c) With respect to third party claims, if				within forty-five (45) days after receiving the notice described				in paragraph (b) above Vendor gives written notice to Adaptive				stating that it intends to defend against such claim, liability				or expense at its own cost and expense, then counsel for the				defense shall be selected by Vendor and Vendor shall not be				required to make any payment with respect to such claim,				liability or expense as long as Vendor is conducting a good				faith and diligent defense at its own expense; provided,				however, that the assumption of defense of any such matters by				Vendor shall relate solely to the claim, liability or expense				that is subject or potentially subject to indemnification.				Adaptive shall cooperate in all respects, at Vendor's request,				with Vendor and its attorneys in the investigation, trial and				defense of such claim, liability or expense and any resulting				suit, proceeding or enforcement action and any appeal therefrom.				Vendor shall have the right, with the consent of Adaptive, which				consent shall not be unreasonably withheld, to settle all				indemnifiable matters related to claims by third parties which				are susceptible to being settled, provided that such settlement				does not impose any obligation on Adaptive or waive any rights				of Adaptive, other than signing the settlement agreement. Vendor				shall keep Adaptive apprised of the status of the claim,				liability or expense and any resulting suit, proceeding or				re-enforcement action, shall furnish Adaptive with all documents				and information that Adaptive shall reasonably request and shall				consult with Adaptive prior to acting on major matters,				including settlement discussions. Notwithstanding anything				herein stated, Adaptive shall at all time have the right to				fully participate in such defense at its own expense directly or				through counsel; provided, however, if the named parties to the				action or proceeding include both Vendor and Adaptive and				representation of both parties by the same counsel would be				inappropriate under applicable standards of professional				conduct, the expense of separate counsel for Adaptive shall be				paid by Vendor, or if such diligent good faith defense is not				being or ceases to be conducted, Adaptive shall, at the expense				of Vendor, undertake the defense of (with counsel selected by				Adaptive), and shall have the right to compromise or settle such				claim, liability or expense. of such claim, liability or expense				is one that by its nature cannot be defended solely by Vendor,				then Adaptive shall make available all information and				assistance that Vendor may reasonably request and shall				cooperate with Vendor in such defense.

(d) The indemnification required by this				Section 5 shall not apply to Fees that the Vendor shall be				required to return as described in Section 4 of this **Exhibit				C**or to actions brought for the purpose of requiring the				return of such Fees.
**6. Indemnification by Adaptive.(a) Adaptive shall indemnify Vendor and shall				hold Vendor harmless from any and all liability, law suits,				claims, actions, threats, administrative proceedings, damages,				fines, levies, liens, garnishments, executions, loss of income,				costs, expenses, judgments, attorneys' fees, professional fees,				injunctions, business disruption, and other items (collectively				"damages") arising from any action, claim, proceeding, or threat				thereof, whether by any individual, company, entity,				partnership, class, group, association or governmental entity or				subdivision relating to or arising from (i) the breach of this				Agreement by Adaptive, (ii) the failure by Adaptive to satisfy				any licensing law applicable to Adaptive, (iii) the failure by				Adaptive to comply with any law applicable to Adaptive's				business, (iv) the commission or omission of any act by Adaptive				that is tortuous, fraudulent or in bad faith, and (v) any of the

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activities of Adaptive described in Section 2				of the Agreement. These obligations shall include, without				limitation, the obligation by Adaptive to advance monies to				Vendor to cover damages at the time such damages are incurred by				Vendor but prior to payment by Vendor of such damages, to cover				attorneys and professionals fees and retainers paid to attorneys				and professional at the time such fees and retainers are due,				and all other costs and expenses necessary for Vendor to defend				itself against damages at the time such costs and expenses are				due.

(b) Promptly after receipt by Vendor of				notice of any claim, liability or expense to which the				indemnification obligations hereunder would apply, Vendor shall				give notice thereof in writing to Adaptive, but the omission to				so notify Adaptive promptly shall not relieve Adaptive from any				liability except to the extent that Adaptive shall have been				prejudiced as a result of the failure or delay in giving such				notice. Such notice shall state the information then available				regarding the amount and nature of such claim, liability or				expense and shall specify the provision or provisions of this				Agreement under which the liability or obligation is asserted.

(c) With respect to third party claims, if				within forty-five (45) days after receiving the notice described				in paragraph (b) above Adaptive gives written notice to Vendor				stating that it intends to defend against such claim, liability				or expense at its own cost and expense, then counsel for the				defense shall be selected by Adaptive, and Adaptive shall not be				required to make any payment with respect to such claim,				liability or expense as long as Adaptive is conducting a good				faith and diligent defense at its own expense; provided however,				that the assumption of defense of any such matters by Adaptive				shall relate solely to the claim, liability or expense that is				subject or potentially subject to indemnification. Vendor shall				cooperate in all reasonable respects, at Adaptive's request,				with Adaptive and its attorneys in the investigation, trial and				defense of such claim, liability or expense and any resulting				suit, proceeding or enforcement action and any appeal therefrom.				Adaptive shall have the right, with the consent of Vendor, which				consent shall not be unreasonably withheld, to settle all				indemnifiable matters related to claims by third parties which				are susceptible to being settled, provided that such settlement				does not impose any obligation on Vendor or waive rights of				Vendor, other than signing the settlement agreement. Adaptive				shall keep Vendor appraised of the status of the claim,				liability or expense and any resulting suit, proceeding or				re-enforcement action, shall furnish Vendor with all documents				and information that Vendor shall reasonably request and shall				consult with Vendor prior to acting on major matters, including				settlement discussions. Notwithstanding anything herein stated,				Vendor shall at all times have the right to fully participate in				such defense at its own expense directly or through counsel;				provided, however, if the named parties to the action or				proceeding include both Adaptive and Vendor and representation				of both parties by the same counsel would be inappropriate under				applicable standards of professional conduct, the expense of				separate counsel for Vendor shall by paid by Adaptive, or if				such diligent good faith defense is not being or ceases to be				conducted, Vendor shall, at the expense of Adaptive, undertake				the defense of (with counsel selected by Vendor), and shall have				the right to compromise or settle such claim, liability or				expense. If such claim, liability or expense is one that by its				nature cannot be defended solely by Adaptive, then Vendor shall				make available all information and assistance that Adaptive may				reasonably request and shall cooperate with Adaptive in such				defense.

(d) The indemnification required in this				Section 6 shall not apply to fees that the Vendor shall be				required to return as described in Section 4 of this **Exhibit				C** or actions brought for the purpose of requiring the return				of such Fees.
**7.**Confidentiality.**Each Party agrees that it	will (a) not disclose, without the other Party's prior written consent, the	other Party's Confidential information (as hereinafter defined) to any third	party (other than a Party's legal and financial advisors as provided in	clause (c) below); (b) use the other Party's Confidential Information only	to the extent necessary to perform its obligations or exercise its rights

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under this Agreement; and (c) disclose the other Party's	Confidential Information only to those of its employees and legal and	financial advisors who need to know such information for purposes of this	Agreement and who are bound by confidentiality obligations no less	restrictive than those contained in this Section 7. For purposes hereof,	"Confidential Information" means information concerning the disclosing	Party's trade secrets, "know-how", business plans, marketing strategy,	financial information, customer lists, information relating to loyalty	programs or loyalty technology, enrollee or member lists, solicitation,	membership and marketing methods, the terms and conditions of this	Agreement, information that the disclosing Party designates as being	confidential or which under the circumstances surrounding disclosure ought	to be treated as confidential, and any tangible materials, in any media,	incorporating, analyzing or compiling any of the foregoing information.	"Confidential Information" does not include information that: (I) is now or	subsequently becomes generally available to the public through no fault or	breach on the part of the receiving Party; (ii) the receiving Party can	demonstrate to have had lawfully in its possession without an obligation of	confidentiality prior to disclosure hereunder; or (iii) is independently	developed by the receiving Party without the use of any Confidential	Information of the disclosing Party as evidenced by written documentation.	Notwithstanding any provision to the contrary contained in this Section 7,	the receiving Party may disclose Confidential Information to the extent	required pursuant to a subpoena or order issued by a court of competent	jurisdiction or by a judicial, administrative, legislative, regulatory or	self regulating authority or body, provided that the receiving Party shall	use its best efforts to give the disclosing Party sufficient prior written	notice in order to contest such requirement or order.
**8. Insurance. Vendor and Adaptive agree to maintain	in full force and effect adequate insurance coverage, with limits that are	reasonable and customary for its business, to cover liabilities and claims	which may arise in relation to or in connection with providing the Benefit	and other benefits and discounts and otherwise in performing its obligations	under this Agreement.
**9.**Trademarks.**Vendor hereby grants to	Adaptive a non-exclusive, non-transferable license, without the right of	sub-license, to use, during the Term, Vendor's trademarks, service marks,	trade names and logos for the marketing and fulfillment of the Programs in	accordance with this Agreement, provided that all proposed usage of Vendor's	trademarks, service marks, trade names or logos shall be subject to the	prior written approval of Vendor as provided in Section 2 of this Agreement.	Nothing herein shall give either Party any rights, title or interest in or	to any trademarks, service marks, trade names or logos owned or otherwise	used by the other Party.
**10.**Arbitration.**With the exception of seeking	injunctive or other relief for violation of the Confidential information of	a Party pursuant to Section 7 of this **Exhibit C**, any dispute arising	out of or relating to this Agreement, including any issues relating to	arbitrability or the scope of this arbitration clause, will be finally	settled by arbitration in the accordance with the rules of the American	Arbitration Association and the United States Arbitration Act. Judgment upon	the award rendered by the arbitrator(s) may be entered by any court with	jurisdiction. The arbitration will be held in a place mutually agreed upon	by both Parties.
**11.**Miscellaneous.**This Agreement constitutes	the entire agreement of the Parties with respect to the subject matter	hereof and may only be amended by a written document signed by both Parties.	Neither this Agreement nor the rights and obligations hereunder may be	assigned by either Party, whether by agreement or operation of law, without	the prior written consent of the other Party. This Agreement shall be	governed by the laws of Connecticut, without regard to its conflicts of law	principles and rules of construction requiring that it be interpreted	against the Party causing it to be drafted, and shall be binding upon and	inure to the benefit of the Parties and their respective successors and	permitted assigns. The failure of either Party to insist upon strict	performance of a provision or exercise any right hereunder shall not be	construed as a waiver of such Party's right to rely on such provision or	assert any such right in that or any other instance. All notices which are	required to be given by either Party hereunder shall be in writing or by	email and shall be deemed to be properly given (a) when delivered	personally, (b) three (3) business days after being sent by certified mail,	return receipt requested, first-class postage paid, (c) one (1) day after	being sent by a nationally recognized overnight delivery service, (d) upon	receipt of facsimile ((i) to (203) 674-7026 in the case of notice to	Adaptive and (ii) to

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800-545-5776 in the case of notice to Vendor or (e) upon	receipt of email, in each case to the other Party's legal department at its	address set forth above. All terms and provisions hereof which should by	their nature survive the expiration or earlier termination of this	Agreement, including, without limitation, Sections 4 and 5 of this Agreement	and Sections 1, 4, 5, 6, 7, 8, 9, 10, 11 and 12 of this **Exhibit C**,	shall so survive. This Agreement may be executed in counterparts, each of	which shall be deemed one and the same instrument. A facsimile transmission	of this Agreement bearing a Party's signature shall be legal and binding on	such Party.
**12.**Relationship.**Neither Party shall be or	represent itself to be an agent, employee or joint venture of the other, nor	shall either Patty have or represent itself to have any power or authority	to act for, bind or commit the other.
**13.**Disclaimers.**EXCEPT AS EXPRESSLY SET FORTH	HEREIN, NEITHER PARTY MAKES ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR	IMPLIED. EACH PARTY HEREBY EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES, WHETHER	EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF	MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.

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