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Administration of a discount program for enabling participants to obtain discounts on the cost of services or receive improved services through use of a membership card; Administration of a program for enabling participants to obtain discounts on products and services; Consulting services, namely, to employers, community organizations, brokers and beneficiaries, related to consumer information regarding health care plan options, products and programs in the field of hearing loss; Providing health insurance exchanges in the nature of a marketplace that offers purchasers of health insurance a variety of plans from different insurance providers