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                      NEW 
                        YORK: New York Metropolitan/Tri-State Area i.e., 
                        New York, Southern Connecticut and Northern and Western 
                        New Jersey - 100 mile radius of New York City | 
                     
                    
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                      NEW 
                        ENGLAND: Massachusetts, Maine, Central and Northern 
                        Connecticut, New Hampshire, Rhode Island, Vermont | 
                     
                    
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                      PENNSYLVANIA/NEW 
                        JERSEY: Southeastern Pennsylvania / Philadelphia 
                        Center City and Surrounding Suburbs; Delaware    NEW 
                        JERSEY: Central and Southern | 
                     
                    
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                      Twenty-four-hour-a-day telephone coverage, 
                        seven days a week, including all holidays. | 
                     
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