Affinion Group, Inc.

Thank you for your correspondence regarding *** *** concerns with her *** *** membership, a service provided by *** Corporation
Our records indicate that *** *** was enrolled in our *** *** service on July 2, 2014, after making a purchase from
*** and then responding to an offer to receive a rebate on her recent purchase by calling a toll free number. Upon calling the toll free number, *** *** was presented with the option to enroll in *** ***. The offer for joining *** *** was two $rebates for purchases from ***
We regret any misunderstanding concerning the terms of our offer. In order to uphold our high level of customer satisfaction, we have requested for an additional $rebate check to be sent to *** ***. *** *** can expect to receive this check within the next 2-weeks
In addition, *** ***’s *** *** membership was canceled on July 23, 2014, and she will not be charged a monthly fee for the service. We apologize for any inconvenience that *** *** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
*** ***
Customer Relations

May 16,
VIA ONLINE SUBMISSION
/>
Revdex.com (“Revdex.com”)
Revdex.com Complaint Department
RE: Revdex.com Case #: ***
Dear Sir or Madam:
This correspondence is in regard to the above referenced complaint
filed with your office
Due to Privacy, we are not able to provide specific information
regarding insurance related matters on this websitePlease be assured that a
written response addressing all issues raised by the complainant will be sent
directly to the Primary Insured under separate cover within the next seven (7)
to ten (10) business days
We appreciate your understanding regarding this matter
Sincerely,
Third Party Administrator
cc: carrier
May 16,
VIA ONLINE SUBMISSION
Revdex.com (“Revdex.com”)
Revdex.com Complaint Department
RE: Revdex.com Case #: ***
Dear Sir or Madam:
This correspondence is in regard to the above referenced complaint
filed with your office
Due to Privacy, we are not able to provide specific information
regarding insurance related matters on this websitePlease be assured that a
written response addressing all issues raised by the complainant will be sent
directly to the Primary Insured under separate cover within the next seven (7)
to ten (10) business days
We appreciate your understanding regarding this matter
Sincerely,
Third Party Administrator
cc: carrier

Thank you for your correspondence regarding *** *** concerns with her *** *** *** a service provided by *** *** By way of background, *** *** is part of an established membership-based discount service companyWe jointly market our memberships with our
clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join *** *** in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge Our records indicate that *** *** enrolled in *** *** on March 18, On that date, *** *** was asked if she would like to learn about a special offer for a $Visa gift card when trying the service for a trial period. *** *** provided her first and last name, address, and billing information in order to accept the offer in the service During the enrollment, *** *** was provided with the terms of the membership in *** ***. Great care is taken to ensure that the consumer authorizes enrollment in the program. Unless the consumer affirmatively elects to subscribe, they will not be enrolled as a member, nor billed the fees at the end of the trial period. Trial members may cancel at any time within the trial period by simply calling the toll-free number which is provided during enrollment and listed on the membership materials and owe nothing further Please be assured that we make every effort to ensure that a member is satisfied with their membership in *** ***. As such, *** *** membership was canceled on July 26, 2016, and refunds totaling $will be issued to her debit card account as full reimbursement of the fees that she was charged for the service We apologize for any inconvenience that *** *** may have experienced and hope that this matter has been resolved to her satisfaction Sincerely, Jason A*** Customer Relations

Thank you for your correspondence regarding *** ***’s concerns with his Fast3CreditScores and IdentitySecure memberships, services provided by Trilegiant Corporation
By way of background, Fast3CreditScores and IdentitySecure are part of an established
membership-based discount service company. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in Fast3CreditScores and IdentitySecure. An individual member may join our services in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge
Our records indicate that Mr*** enrolled in the Fast3CreditScores and IdentitySecure services on December 24th, 2013, while responding to an online offer on the Fast3CreditScores websiteThe memberships were described to him at the time of enrollment, including billing and cancellation terms. Mr*** provided several pieces of information including his first and last name, address, billing information, and social security number in order to accept the offers in the services
Please be assured that we make every effort to ensure that members are satisfied with their memberships in Fast3CreditScores and IdentitySecure. As such, Mr***’s Fast3CreditScores membership was canceled on January 27th, 2014, and a refund of $was issued to his debit card account. Mr***’s IdentitySecure membership was canceled on February 26th, 2014, and an additional refund of $is being issued to his account as reimbursement of the monthly fee that he was charged for the service. Mr*** may also either e-mail (***) or fax (###-###-####) me copies of his bank statement depicting any fees that he incurred as a result of the Fast3CreditScores and IdentitySecure service billings for review and reimbursement
We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction
Sincerely,
*** ***
Customer Relations

Thank you for your correspondence regarding *** *** concerns with her Travelers Advantage and Shoppers Advantage memberships, services provided by Trilegiant Corporation. By way of background, Travelers Advantage and Shoppers Advantage are part of an established membership-based discount
service company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join Travelers Advantage and Shoppers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billings along with the names of the services to identify the charges. After researching her concerns, we found that Ms*** was enrolled in both our Travelers Advantage and Shoppers Advantage services on March 1, 2015, after being transferred to one of our representatives by ***. The offer for joining Travelers Advantage was two (2) $rebates for reservations. The offer related to Shoppers Advantage was $in gas purchase rebates. Travelers Advantage and Shoppers Advantage go to great lengths in order to ensure that an authorized person agrees to the memberships. If Ms*** did not inform us that she wished to cancel the memberships at the end of the trial periods, she was would be charged the monthly membership fees. The terms of the agreements provided that, in order to ensure uninterrupted service, the memberships would be renewed each month at the then current membership fees. Please be assured that we make every effort to ensure that members are satisfied with their memberships in Travelers Advantage and Shoppers Advantage. As such, Ms***’ Travelers Advantage membership was canceled on June 16, 2015, and a refund of $will be issued to her credit or debit card account. Ms***’ Shoppers Advantage membership was canceled on May 25, 2015, and an additional refund of $will be issued to her account as full reimbursement of the fees that she was charged for the service. We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction. Sincerely, *** ***Customer Relations

Thank you for your correspondence regarding *** *** concerns with his Shoppers Advantage and Buyers Advantage memberships, services provided by Trilegiant Corporation. By way of background, Shoppers Advantage and Buyers Advantage are part of an established
membership-based discount service company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join Shoppers Advantage and Buyers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billings along with the names of the services to identify the charges. After researching his concerns, we found that *** *** was enrolled in both our Shoppers Advantage and Buyers Advantage services on October 18, 2014, after being transferred to one of our representatives by his credit card company. Buyers Advantage and Shoppers Advantage go to great lengths in order to ensure that an authorized person agrees to the memberships. If *** *** did not inform us that he wished to cancel the memberships at the end of the trial periods, he would be charged the monthly membership fees. The terms of the agreements provided that, in order to ensure uninterrupted service, the memberships would be renewed each month at the then current membership fees. Please be assured that we make every effort to ensure that members are satisfied with their memberships in Shoppers Advantage and Buyers Advantage. As such, *** *** Shoppers Advantage and Buyers Advantage memberships were both canceled on February 12, 2015, and refunds totaling $will be issued to his credit card account as full reimbursement of the fees that he was charged for the services We apologize for any inconvenience that *** *** may have experienced and hope that this matter has been resolved to his satisfaction. Sincerely, *** ***Customer Relations

Thank you for your correspondence regarding *** *** concerns with his *** Backstage Pass VIP membership. Feedback such as his provides us with the opportunity to re-examine our procedures, make changes where necessary and continually strive for increased customer satisfaction
By way of background, *** Backstage Pass VIP is part of an established membership-based discount service company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join our programs in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of our billing along with the name of the service to identify the charge Please be assured that we make every effort to comply with a member’s request to cancel their membership in *** Backstage Pass VIP for any reason. As such, *** *** membership was canceled on May 1, 2017, and he will not be charged a monthly fee for the service We apologize for any misunderstanding concerning the terms of our offer and for any inconvenience that *** *** may have experienced Sincerely, Jason A*** Customer Relations

Thank you for your correspondence regarding *** ***’s additional concerns with her Travelers Advantage and Shoppers Advantage memberships, services provided by Trilegiant Corporation
Our records indicate that Ms***’s Travelers Advantage and Shoppers Advantage memberships became active in our records on September 8, 2014. Please note that it may take up to fifteen business days from the activation date to receive any membership material that would be sent by mail. However, in order to uphold our high level of customer satisfaction, Ms*** may either e-mail (***) or fax (###-###-####) her car rental and gas purchase receipts to my attention, and I will have her rebates processed by our Claims Department. She will not be required to include the rebate forms that are being sent to her
In her complaint, Ms*** also references the amount that she was charged for her car rental. Trilegiant Corporation would not be associated with this transaction
We again apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
*** ***
Customer Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you very much for your assistance in this matterI received the refund today and my problems have been resolved.
Sincerely

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***I never recieved any emails from them or anything in the mailIt also was not clear that I was signed up for two different membershipsHowever, I am no longer worried about the rebate offers as long as I receive the refund and no further chargesI am satisfiedSincerely, *** ***

Thank you for your correspondence regarding *** ***’s concerns with her Great Fun and Shoppers Advantage memberships, services provided by Trilegiant Corporation By way of background, Great Fun and Shoppers Advantage are part of an established membership-based discount service
companyWe jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customers’ account prior to billing and enrolling the consumer in our services. An individual member may join Great Fun and Shoppers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the chargeOur records indicate that Ms*** enrolled in both our Great Fun and Shoppers Advantage services on December 12, 2015, after making a purchase from *** *** and then responding to an offer to receive a rebate on her recent purchase by calling a toll free number. Upon calling the toll free number, Ms*** was presented with the option to enroll in Great Fun and Shoppers Advantage, which our records indicate she accepted. The offer for joining Great Fun was a $rebate for her *** *** purchase. The offer related to Shoppers Advantage was $in gas purchase rebatesAccording to the terms of the agreements for Great Fun and Shoppers Advantage, if you did not inform us that you wished to cancel the memberships at the end of the trial periods, you would be charged the current monthly membership feesGreat Fun and Shoppers Advantage go to great lengths in order to ensure that an authorized person agrees to the membershipsOur records indicate that Ms*** provided her first and last name, address, e-mail address, and billing information to the representative to enroll in the services Please be assured that we make every effort to ensure that members are satisfied with their memberships in Great Fun and Shoppers Advantage. As such, Ms***’s Great Fun and Shoppers Advantage memberships were both canceled on November 30, 2016, and refunds totaling $are being issued to her credit or debit card account as full reimbursement of the fees that she was charged for the services We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction Sincerely, Jason A*** Customer Relations

Thank you for your correspondence regarding *** ***’ concerns with *** ***’ Shoppers Advantage membership, a service provided by Trilegiant Corporation. By way of background, Shoppers Advantage is part of an established membership-based discount service
company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join Shoppers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge. After researching *** ***’ concerns, we found that *** *** was enrolled in our Shoppers Advantage service on June 24, 2008, after being transferred to one of our representatives by *** ***. Shoppers Advantage goes to great lengths in order to ensure that an authorized person agrees to the membership. If Mr*** did not inform us that he wished to cancel the membership at the end of the trial period, he was charged the annual membership fee. The terms of the agreement provided that, in order to ensure uninterrupted service, the membership would be renewed each year at the then current membership fee. Please be assured that we make every effort to ensure that a member is satisfied with their membership in Shoppers Advantage As such, Mr***’ membership was canceled on July 17, 2015, and refunds totaling $are being issued to his credit or debit card account as full reimbursement of the fees that he was charged for the service. We apologize for any inconvenience that Mrand Mrs*** may have experienced and hope that this matter has been resolved to their satisfaction. Sincerely, *** ***Customer Relations

Thank you for your correspondence regarding *** ***’s concerns with his Great Fun membership, a service provided by Trilegiant Corporation
In order to avail himself of our promotional offer, Mr*** was required to return the rebate forms that were included in
his membership kit or sent to the e-mail provided during the enrollment process along with his receipts of purchase from ***. Upon receipt of the completed rebate forms and receipts, Mr***’s rebate checks would have been delivered within 4-weeks
We regret that Mr*** did not receive his rebate forms in a timely manner. In order to uphold our high level of customer satisfaction, Mr*** may either e-mail *** or fax (###-###-####) his receipts to my attention, and I will have his rebates processed by our Claims department
In addition, Mr***’s Great Fun membership was canceled on May 5th, 2014, and a refund of $will be issued to his credit card account as reimbursement of the trial fee that he was charged
We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction
Sincerely,
*** ***
Customer Relations

August 27,
VIA ONLINE SUBMISSION
Revdex.com (“Revdex.com”)
Revdex.com Complaint Department
/>
RE: Revdex.com Case #: ***
Dear Sir or Madam:
This correspondence is in regard to the above referenced complaint
filed with your office
Due to Privacy, we are not able to provide specific information
regarding insurance related matters on this websitePlease be assured that a
written response addressing all issues raised by the complainant will be sent
directly to the Primary Insured under separate cover within the next seven (7)
to ten (10) business days
We appreciate your understanding regarding this matter
Sincerely,
Third Party Administrator
cc: carrier

Thank you for your correspondence regarding *** *** concerns with her *** *** membership, a service provided by *** Corporation By way of background, *** *** is part of an established membership-based discount service companyWe jointly market our memberships with our
clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join *** *** in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge Our records indicate that *** *** was enrolled in *** *** on May 4, 2015. On that date, she was asked if she would like to learn about a special offer for two (2) $rebates when trying the service for a trial period*** *** provided her first and last name, address, and billing information in order to accept the offer in the service During the enrollment, *** *** was provided with the terms of the membership in *** ***. Great care is taken to ensure that the consumer authorizes enrollment in the program. Unless the consumer affirmatively elects to subscribe, they will not be enrolled as a member, nor billed the fees at the end of the trial period. Trial members may cancel at any time within the trial period by simply calling the toll-free number which is provided during enrollment and listed on the membership materials and owe nothing further Please be assured that we make every effort to ensure that a member is satisfied with their membership in *** ***. As such, *** ***’s membership was canceled on November 2, 2016, and refunds totaling $will be issued to her credit or debit card account as full reimbursement of the fees that she was charged for the service We apologize for any inconvenience that *** *** may have experienced and hope that this matter has been resolved to her satisfaction Sincerely, Jason A*** Customer Relations

Thank you for your correspondence regarding *** *** additional concerns. The offer given to *** *** for joining the Great Fun service was $worth of rebates. Per the terms of the offer, members are eligible to redeem these rebates only one time. In order to avail themselves of our promotional offer, members are normally required to return the rebate forms that are included in their membership kit or sent to the e-mail provided during the enrollment process along with their corresponding receipts of purchase. When *** *** previously filed the complaint that we received on December 12, 2014, indicating that he had yet to receive his rebate forms, we requested for additional forms to be sent to him. However, in order to uphold our high level of customer satisfaction, we also gave *** *** the option of either e-mailing or faxing his receipts directly to me without the rebate forms included so that I could have his rebates expedited. On December 16, 2014, *** *** e-mailed me a copy of his receipt for a purchase from ***, and a $check was sent to him. After *** *** e-mailed his receipt to us, he received the additional rebate forms that we had requested to have sent to him. He has attempted to submit these forms for additional rebates to which he is not entitled. Please advise *** *** that he may call me at *** to listen to a recording of his enrollment call that verifies that the rebate forms that he has received and tried to submit are the rebates that he was originally offered for trying the service. These rebates were already paid to *** *** when he e-mailed us his receipt for a purchase from *** ***. We again regret any misunderstanding regarding our promotional offer. *** *** Great Fun membership was canceled on January 1, 2015, and he was not charged a monthly fee for the service. Sincerely, *** ***Customer Relations

Thank you for your correspondence regarding *** *** *** concerns with her *** *** ***, a service provided by *** ***
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By way of background, *** *** is part of an established membership-based discount service companyWe jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join our programs in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge
Our records indicate that *** *** ***i was enrolled in both our *** *** *** *** *** services on November 30, 2015, after making a purchase from *** *** and then responding to an offer to receive a rebate on her recent purchase by calling a toll free number. Upon calling the toll free number, *** *** *** was presented with the option to enroll in both *** *** *** *** ***, which our records indicate she accepted. The offer for joining *** *** was a $rebate for a purchase from *** Airlines. The offer related to *** *** was $in gas purchase rebates. According to the terms of the agreements for *** *** *** *** ***, if *** *** *** did not inform us that she wished to cancel the memberships at the end of the trial periods, she would be charged the current monthly membership fees. A separate phone number to call to cancel each service was provided during the enrollment process
In order to avail herself of our promotional offers, *** *** *** was required to return the rebate forms that were included in her membership kits or sent to the e-mail provided during the enrollment process, along with her corresponding receipts of purchase. Upon receipt of the completed rebate forms and receipts, *** *** ***’s rebate checks would have been delivered within 4-weeks
We regret to hear that *** *** *** did not receive her rebate forms in a timely mannerIn order to uphold our high level of customer satisfaction, *** *** *** may either e-mail ([email protected]) or fax (###-###-####) her *** Airlines receipt to my attention, and I will have her rebate processed by our Claims department
Please be assured that we make every effort to ensure that members are satisfied with their memberships in *** *** *** *** ***. As such, *** *** *** *** *** membership was canceled on January 18, 2016, and a refund of $was issued to her credit card account. *** *** ***’s *** *** membership was canceled on February 16, 2016, and additional refunds totaling $will be issued to her account as full reimbursement of the fees that she was charged for this service
We apologize for any inconvenience that *** *** *** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
Jason A***
Customer Relations

Complaint: ***
I am rejecting this response because:
They stoled my money from my pre paid *** card.They were NOT supposed to take ANY MONEY AT ALL.On top of that, They never even Sent me Anything! I told them No! I was not interested in a $worth of gifts..when they started saying for only $.Then kept adding more to that..like only $More.Then they would mail me things every couple of weeks for More moneybut I could cancel if I didnt want itI said NO! forget the whole thing..CANCEL MY *** # even for the 1st$ ThEYSAId it WAS CANCELED! and Took at least $all my money is Gone nowplease help?
Sincerely,
*** *** ***

Thank you for your correspondence regarding *** *** concerns with his Benefits Package membership, a service provided by Affinion Benefits Group, LLC (“ABG”) By way of background, ABG is the Plan Administrator for savings and protection programs offered to customers of participating
financial institutions nationwide. Our records indicate that Mr*** was enrolled in the Benefits Package program effective February 27, 1998, through his participating financial institution, *** *** *** ** ***. The Benefits Package program provides a variety of benefits including hotel and car rental discounts, payment card protection, and Common Carrier Accidental Death Insurance. Please be assured that we make every effort to comply with a member’s request to cancel their membership in the Benefits Package program for any reason. Accordingly, if a customer is dissatisfied with the services under the program, the company will cancel the membership and they will owe nothing further. You can be assured that Mr*** membership was canceled on May 18, 2015, and refunds totaling $are being issued to his checking account. Our records indicate that this represents full reimbursement of the fees that Mr*** was charged as the monthly rate for the membership has increased multiple times to reach the current $per month fee. We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction. Sincerely, *** ***Customer Relations

Thank you for your correspondence regarding *** *** concerns with her Great Fun membership, a service provided by Trilegiant Corporation. Our records indicate that Ms*** was enrolled in our Great Fun service on May 14, 2015, after making a purchase from *** and then
responding to an offer to receive a rebate on her recent purchase by calling a toll free number. Upon calling the toll free number, Ms*** was offered two (2) $*** purchase rebates for trying the service for a trial period. According to the terms of the agreement for Great Fun, if Ms*** did not inform us that she wished to cancel the membership at the end of the trial period, she would be charged the current monthly membership fee.In order to avail herself of the promotional offer, Ms*** was required to return the rebate forms that were included in her membership kit or sent to the e-mail provided during the enrollment process along with her corresponding receipts of purchase. Upon receipt of the completed rebate forms and receipts, Ms*** rebate checks would have been delivered within 4-weeks. At this time, we do not show that we have received Ms*** rebate forms and receiptsIn order to uphold our high level of customer satisfaction, Ms*** may either e-mail (***) or fax (***) her *** receipts to my attention, and I will have her rebates processed by our Claims department. Please be assured that we make every effort to ensure that a member is satisfied with their membership in Great Fun. As such, Ms*** membership was canceled on June 15, 2015, and she will not be charged a monthly fee for the service We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction. Sincerely,*** ***Customer Relations