PITNEY, HARDIN, KIPP & SZUCH
John Raymond Baker, D.C.
November 17,1999
Page 2

damages and attorneys' fees against you and Homepage.com in connection with your publication of
these statements.

                        We hope and expect that legal action will not be necessary, and will appreciate your
cooperation. This letter is not meant to limit any legal rights of Selective Insurance, which retains  the
right  without   limitation,   to seek  any  legal  or  equitable relief against you or  Homepage.com   in
connection with the website in question.

Please contact this office upon receipt of this letter to inform us of your intentions.

                                                                    Very truly yours,

   

                                                                     RONALD D. COLEMAN

cc:     Homepage.com

[ Page author insert -- for my response to this letter, please click here ]