"ing cardholders in which cardholders receive benefits. [0054] 4. ???Benefit Sponsor??? means a merchant that has contractually agreed to participate in a loyalty program to offer a sales inducement, e.g. points, frequent flyer miles or cash back. [0055] 5. ???Financial Institution??? means a bank or credit union or other depository institution that issues Payment Cards. [0056] 6. ???Cardholder???" . . . . .