Strategic Clustering

Los Angeles, CA 521,000

St. Louis, MO 512,000

Greenville/Spartanburg, SC 333,000

Madison, WI 237,000

Atlanta, GA 232,000

Charleston, WV 193,000

Fort Worth, TX 190,000

Birmingham, AL 170,000

Worcester, MA 155,000

Reno, NV 151,000

Hickory, NC 133,000

Kingsport, TN 129,000

Bay City, MI 120,000

Fond du Lac, WI 111,000

Total 3,187,000

Customers by Major Clusters(1)

(1) As of 9/30/01

Maximize suburban, tier 2 market approach.

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