In today’s society, individuals and businesses utilize the World Wide Web as a means to locate, discuss, and distribute information. With tools such as Google, MSN, and Yahoo, businesses are able to not only optimize their websites’ search engine results, but also increase the exposure to their products and services. The competitive edge between businesses is defined by more than just low prices, superior customer service, and results. In this day and age, consumers have more on their plate and less patience to wait for tasks to be completed. They would rather the ease and speed of utilizing the internet for service of their needs, than wait in a phone queue for a representative to service that same need. As a result, many businesses have provided additional quality options and incentives to their members for conducting business transactions online.