|1st Financial Bank USA
84 Lumber Company
Advanta National Bank
Aetna Life & Casualty
Allied Interstate, Inc.
Allstate Insurance Company
American Bankers Financial Srvcs.
American Financial Management, Inc.
American General Finance, Inc.
American Guarantee and Trust Corp.
American Security Bank, N.A.
American States Insurance Company
Anthem Casualty Insurance Group
Associates Capital Bank, Inc.
Associates Capital Services Corp.
AT&T; Universal Card
Bank of America, N.A.
Bank One, NA
Beneficial Maryland, Inc.
BMW Financial Services N.A., Inc.
Capitol Recovery Service, Inc.
Chemical Financial Services Corp.
Chevy Chase Bank, F.S.B.
Chrysler Credit Corporation
Chubb Insurance Group
Citibank South Dakota, N.A.
CitiCorp Mortgage, Inc.
Citizens National Bank
Citizens National Bank of Evansville
City Financial Corporation
City Hospital, Inc.
City of Martinsburg, Inc.
Credit Coastal Credit Services, Inc.
Collect America, LTD
Colonial Insurance Company of CA
Colonial National Bank, USA
Commercial Corp. of America
Commercial Union Insurance Company
Continental Credit Corp.
Continental Insurance Co.
Corporate Recovery Ltd.
Credit Exchange Services
Diebold Credit Corporation
Dun & Bradstreet
Erie Insurance Group
| Farmers & Merchants National
Federal Kemper Insurance Company
Federated Financial Service
Fireman Insurance Co.
First America Bank Corp.
First Bank System N.A.
First Fidelity Mortgage
First Resolution Investment Corp.
First Select, Inc.
First United National Bank & Trust
First USA Bank
First Virginia Bank-Blue Ridge
Foremost Insurance Company
GE Capital Fleet Services
General American Credits
General Casualty Insurance Company
General Motors Corporation
GMAC Mortgage Corporation
Hartford Mutual Insurance Company
HHL Financial Services, Inc.
Household Finance Corporation
Huntington National Bank W. Va.
Indiana As. Credit Mng. Ser. Inc.
Intercounty Health, Inc.
Jefferson Memorial Hospital
John Deere Credit, Inc.
Key Bank USA, N.A.
La Salle Northwest National Bank
Liberty Lending Services, Inc.
Liberty Mutual Insurance
Long & Foster Real Estate, Inc.
Manpower Temporary Services, Inc.
Marine Maritime Services, Inc.
Maryland Bank, N.A.
MBNA America Bank, N.A.
Mercedes-Benz Credit Corporation
Mid America forwarding, LTD
Minnesota Mutual Fire & Casualty
Morgan County War Memorial Hospital
Motorists Insurance Companies
Mount Vernon Fire Insurance Co.
MountainWest Financial Corporation
National Assoc. of Credit Management
National City Bank
National Commercial Recovery, Inc.
National Credit Management Corp.
National Revenue Corporation
| Nationwide Credit, Inc.
Nationwide Mutual Insurance Co.
Navy Federal Credit Union
NCO Financial Systems, Inc.
Norfolk Southern Corporation
North American Credit Consultants
Nuvell Financial Services Corp.
Oak Casualty Insurance Company
Oliphant Financial Corporation
Performance Capital Management, Inc.
Pittsburgh Design Service
Porsche Credit Corporation
Potomac Edison d/b/a Allegheny Power
Prime Option MasterCard
Providian National Bank
Prudential Property and Casualty
Rehabilitation Hospital of Altoona
Rite Aid Corporation
Royal Glove Insurance Company
Royal Insurance Company
Safeco Insurance Companies
Saint Paul Fire and Marine Ins. Co.
Sallie Mae Servicing Corporation
Security Bank & Trust Company
Shenandoah Health Services, Inc.
Simmons First National Bank
State Auto Insurance Companies
Sun Bank of Tampa Bay
The Associates Financial Services of America
The Brethern Mutual Insurance Co.
The Cincinnati Insurance Company
The First National Bank of Maryland
The Royal Mercantile Trust Corp.
The Shelby Insurance Group
The Sherwin-Williams Company
The Travelers Insurance Company
Travelers Property Casualty
United Bank and Trust Company
University Management Associates & Consultants Corp.
USAA Insurance Company
War Memorial Hospital Home Health
Washington County Hospital Assn.
Wells Fargo Financial, Inc.
Winchester Medical Center, Inc.