ACE USA, Acord, Aegis Insurance Services, Inc., Affiliated F.M. Insurance Co., A.I.G., American Realty Investment Trust, American Trucking Association, Arch Insurance Group, Archdiocese of Newark, Associated Aviation Underwriters, Associated General Contractors of New Jersey, AT&T Capital,, Aventis Properties, Bausch & Lomb, Bethlehem Steel Corp., Black and Decker, California Vivus, Cali Realty Corporation, Carter-Wallace, Casino Reinvestment and Development Authority, Cathedral Health Care, Cendent Corp., Centex Homes, Chase Manhattan Bank, Citicorp, Clarendon Insurance Company, CNA Entertainment Coalition, CNA Insurance Co., Conair, Consolidated Rail Corp./Conrail, Coregis Group, Corporate Contractors, CUNA Mutual Insurance Co., Di Gorgio Corporation, Dobbs International Services, Dow Jones & Company, Inc., Engelhard Industries, Enron North America Corp., Episcopal Diocese of New Jersey, Equiva Services, LLC, Evenflo Company, Inc., Federal Deposit Insurance Corp., First Union National Bank, Fleet Mortgage Corp., Fleet Bank, Foster Wheeler Corp., Frank A. McBride Co., Freightliner, Garden State Paper Co., Gate Gourmet, General Electric Co., George Harms Construction Co., Golden Eagle Insurance Co., Great American Insurance, G.E. Americom, Hanover Insurance, Health Care Insurance Co., Hexion, Inc., Hilton Hotels Corp., Hoechst Marion Roussel, Inc., Hovson, Inc., H.B. Fuller Co., IFA Insurance, Independent Sheet Metal Co., J.E. Roberts Companies, John Hancock Mutual Life Insurance Co., Kemper Insurance, Keystone Property Trust, K-Mart, Lehmann Mills, Inc., Lexington Insurance, Lloyds of London, Lumber Insurance Co., Lyndon Property Insurance Co., Mail Boxes Etc., Major League Baseball Properties, Inc., Marshalls, Inc., McBride Enterprises, Media General, Mercedes Benz, Merrill Lynch, Metcalf & Eddy, Inc., Microsoft, Miles Laboratories, Minn. Mining & Manufacturing (3M), Mitsubishi, Montblanc-North America, Montclair State University, Morris Companies, Motiva Enterprises, LLC., National Amusements, Inc., New Jersey Manufacturers Insurance Co., New Jersey Realty Title Insurance Co., Ocean Energy, Onyx Fine Buildings, Inc., Pinkerton, Princeton Insurance Co., Prudential, Prudential Insurance & Financial Services, Prudential Realty, Public Service Electric & Gas Co., Reliance Nat'l Acclaims, Ritter Sysco Food Services, Rutgers The State University of New Jersey, Safeco Insurance, Schoor De Palma, Inc., Seaboard Enterprises, Seaboard Properties, Senior Campus Living, Seton Hall University, Shell Oil Co., St. Barnabas Medical Center, St. Paul Insurance Co., Summit Trust Co., Target Corp., TCW, Texas Eastern Transmission Co., The Aetna Casualty & Surety Company, The Conduit & Foundation Corp., The Great Atlantic and Pacific Tea Co., The Hahn Co., The May Co., The Travelers Indemnity Company, Travelers Casualty & Surety Company, United Services Automobile Assn. (USAA), Universal Foods Corporation, Urban Comm. Data, Walden Book Company, Inc., Wells Fargo Guard Services, White Rose Foods, Wilmington Savings Fund Society and FSB.