35 Providing an online community forum featuring listings of frequent participants in incentive, customer rewards, and customer loyalty programs; Providing a website featuring contributions of others participating in incentive, customer rewards and customer loyalty programs that allow these participants to earn discounts, coupons, and other benefits; Consumer to business referral services provided through a website, e-mail, and instant messaging, namely, identifying users frequently participating in incentive and customer loyalty and reward programs and allowing users to contribute referrals, via e-mail, website and instant messaging, to others for discounts, coupons and other benefits of incentive and customer loyalty and reward programs; Providing an online community forum of collected virtual communities, featuring referrals by others to incentive and customer loyalty programs; Customer recruitment and dissemination of advertising matter in the nature of frequent participation in and availability of incentive and customer loyalty and reward programs offering discounts, coupons, rebates and other benefits