{HEAD ~ The loyalty program instrument} may be used to store an index to a record in {TAIL ~ a database} or a portable data file 
{ HEAD ~ The loyalty program instrument } may be used to store an index to a record in { TAIL ~ a database } or a portable data file
HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH