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Developing, implementing and administering consumer benefit programs that provide members with credit card protection and verification, information regarding and access to credit reports and financial records of themselves and their families, and travel accident insurance and travel assistance benefits; insurance administration in the field of loss, theft or damage to cellular telephones or other wireless communication devices; insurance brokerage in the field of life insurance, health insurance, accidental death and dismemberment insurance; providing members with extended warranties on retail merchandise purchased by credit cards issued by participating financial institutions