The subprime loan market is designed to serve people who do not qualify
for "prime" loans, primarily due to impaired or limited credit histories.
Pennsylvania customers who believe that their current or any prior Verizon
Long Distance bills have included modem hijacking charges should call Verizon
Pennsylvania toll -free at 800-660-2215 or Verizon North toll-free at 800-483-
4000 to see if they qualify for a bill adjustment or refund.

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"But
our investigation also revealed reasons for hope.

Verizon Pennsylvania Office of Consumer Advocate Announce Agreement to Address Modem Hijacking Charges

Verizon Long Distance is not responsible for the downloading of the
software onto a customer's computer or the initiation of international calls
on the customer's line.us .

With more than $71 billion in annual revenues, Verizon Communications Inc.

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HARRISBURG, Pa., A report released today by the
Department of Banking, "Losing the American Dream: A Report on Residential
Mortgage Foreclosures and Abusive Lending Practices in Pennsylvania," confirms
a high foreclosure rate in Pennsylvania and finds that "subprime" mortgages
represent the majority of loans that result in foreclosure action .
"Our study revealed reasons for much concern in the Commonwealth - abusive
lending practices happen every day and we have one of the highest foreclosure
rates in the nation," said Pennsylvania Banking Secretary Bill Schenck. Ms. Here are some key points to consider:

* Carefully read all the terms and conditions of any offer before
downloading anything to your computer; unless you fully understand
everything you are agreeing to, do not accept the download.

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Sadly , after Alice was injured, she returned to the show only then to be
sexually harassed and discriminated against by her production stage manager,
who assaulted her and made lewd sexual remarks about the size of her breasts
in front of her cast mates, boasted about his sexual prowess and, when she had
no choice but to complain, defendants retaliated against her. To learn
more about the lawsuit , please visit http://www. The removal of charges will
be a one-time action by Verizon for each affected customer. The OCA will assist customers
in obtaining any credits or refunds from Verizon to which they are entitled
under the agreement.pa.

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9 percent, according to figures
reported by the Mortgage Bankers Association. "We need to commit to ensure that
the American dream of homeownership does not become the American nightmare of
foreclosure and financial ruin for a growing number of Pennsylvanians .

Modem hijacking affects some computer users who use dial-up Internet
access.

VERIZON'S ONLINE NEWS CENTER: Verizon news releases, executive speeches
and biographies , media contacts, high quality video and images, and other
information are available at Verizon's News Center on the World Wide Web at
http://www.verizon. To receive news releases by e-mail, visit the
News Center and register for customized automatic delivery of Verizon news
releases.

The category is organized by company name and may contain information such as consumer opinions, complaints, personal experiences, and reports of legal action written for the layman.

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PRESS CONFERENCE
Date: March 21, 2006
Place: Biltmore Hotel, Majorca Room
Time: 10:30 A.
But not soon thereafter, Alice witnessed dancer actors and actresses being
forced to perform injured, threatened , harassed, sexually abused and fired,
among many other unethical employment practices. A
picture of Alice and Billy Joel is available upon request. Verizon Long Distance Customers in Pennsylvania Will Have Unauthorized
International Long-Distance Charges Removed from Their Verizon Phone Bills

HARRISBURG, Pa.
Verizon will advise the customer that Verizon Long Distance may pursue
collection of the charges if it has reasonable grounds to believe that the
customer consented to use the service that resulted in the charges.verizon.

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PA Department of Banking Releases Report on Statewide Mortgage Foreclosures; Outlines Ways to Protect Vulnerable Consumers

In addition, the Department has identified several ways
in which the General Assembly can strengthen laws to protect consumers,
including creating a new licensing category for individual mortgage loan
solicitors .

This category is for sites that evaluate the performance or products of a company.

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The report also outlines a series of steps by which the Commonwealth can
better protect vulnerable consumers , mirroring some recent recommendations for
financial education and dialogue between financial service providers and
consumer groups in a report by Governor Edward G. However, only three states have higher subprime foreclosure
rates, with Pennsylvania's standing at 11."
"We are building the enforcement capability of the Banking Department,
initiated and fully supported by Governor Rendell, by adding an investigative
unit and increasing the staff in the licensing and examinations bureaus to
provide more consumer protection," said Secretary Schenck. This action
triggers the download of software provided by a third party other than Verizon
Long Distance to the user's computer - which then automatically dials
international long-distance phone numbers without the customer's knowledge.

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The Department of Banking was asked by the state House of Representatives
to study residential lending practices in Pennsylvania, trends in
foreclosures, and lending practices, which are abusive to consumers.
"The Department of Banking has several recommendations - some already
underway - to address abusive lending practices and bring down the number of
foreclosures," said Secretary Schenck.M. Nonetheless , the company understands that its
customers may have been unwitting victims of this Internet fraud . Former customers now living outside of
Pennsylvania can call the OCA at 717-783-5048.

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Eight states have rates higher than Pennsylvania's 2003 prime foreclosure rate
of 0.
Instead, as a condition for continued employment, management and owners
demanded that Alice agree to release them from all liability., Verizon Long Distance
customers in Pennsylvania who fall prey to a computer scam known as "modem
hijacking" can now have the unauthorized international long-distance charges
that result from the scam removed from their Verizon phone bills.
Such customers may submit a claim directly to Verizon or, if they prefer, to
the OCA or one of the other government agencies, which will forward claims to
Verizon for processing.
All consumers -- particularly those who use dial-up modems -- can take
preventive action to better protect themselves from these scams and unexpected
charges that may result.

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While this was
reported to management and then the show's owners, nothing was done about it.movinoutlawsuit.

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'American Ballerina'(TM) Sues Billy Joel's Hit Show 'MOVIN' OUT'

MIAMI, Alice Alyse, world class ballerina,
actress and star of Billy Joel's smash Broadway hit show MOVIN' OUT has filed
complaints in Miami circuit court and the Equal Employment Opportunity
Commission ("EEOC").C.com .

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The MOVIN' OUT cast was
treated as if they had little to no rights in an unhealthy environment
governed by intimidation and fear. Verizon
North and Verizon Pennsylvania are implementing this adjustment policy in
Pennsylvania as part of a March 7, 2005, agreement with the Pennsylvania
Office of Consumer Advocate (OCA) on how to handle complaints from Verizon
Long Distance customers in Pennsylvania who may have been victimized by the
modem hijacking Internet scheme .

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Alyse
will attend a press conference Tuesday morning and address the media herself.
Under the agreement with the OCA, after receiving a modem hijacking
complaint directly from a Verizon Long Distance customer or from the OCA or
another government agency to which the customer has complained , Verizon
Pennsylvania or Verizon North will remove 100 percent of the modem hijacking
charges and associated taxes and other fees that are itemized on the
customer's current Verizon bill. Verizon also will make no further effort to
collect the charges or suspend the customer's local or toll service for
nonpayment of the Verizon Long Distance charges associated with modem
hijacking. Verizon
also will provide the customer with information about steps that can be taken
to help prevent further modem hijacking charges.oca.com.

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"
Secretary Schenck is grateful for the many volunteers who spent hours
sharing their expertise about mortgage issues in Pennsylvania.-based public interest watchdog that, under
his leadership, furthered ethics. "After Alice tried in vain to negotiate a
resolution, she was cast aside. We now have no choice but to hold those
responsible to the letter of the law, as Alice has been severely harmed. Verizon
will attempt to locate former Verizon Long Distance customers and mail them
refunds after confirming that they paid the disputed charges.8 million voice and data customers across the
United States. International includes wireline
and wireless operations and investments, primarily in the Americas and Europe.

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85 percent."
Abusive lending practices usually involve some form of deception, fraud or
manipulation of borrowers and may include but are not limited to: making a
loan without regard to a borrower's ability to repay; charging excessive fees;
using aggressive and deceptive marketing; and operating home improvement
scams.
"It is the intent of the Department of Banking and, I believe, all other
representative groups, to work together to solve the foreclosure problems in
the Commonwealth," said Secretary Schenck. Most often , this scam occurs when a computer user receives a pop-up
ad on the screen and clicks on the ad with a computer mouse. Customers
calling from within Pennsylvania can also contact the Office of Consumer
Advocate toll-free at 800-684-6560.
* Contact a reputable software vendor about programs that block pop-up ads
("pop-up blockers") and other unauthorized software, and identify and
remove from your computer the types of programs that may be associated
with modem-hijacking scams. Information Services operates directory publishing businesses
and provides electronic commerce services.

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As a result, computer users can incur international long-
distance charges of hundreds or even thousands of dollars on their monthly
phone bills.
Any present and former Verizon Long Distance customers in Pennsylvania who
have complained about modem hijacking charges to the OCA or another government
agency prior to the agreement with the OCA will receive a one-time credit or
refund from Verizon for the billed charges caused by the scam.com/news.

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Over the course of the investigation, the Department of Banking worked
with consumer and financial industry leaders in the development of the report. When Alice
refused, she was terminated. Alice
is a true heroine who stands up not only for herself, but the rights of all
those at MOVIN' OUT who have been mistreated .state.

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Rendell's Task Force for
Working Families.

CONTACT: Carol Gifford
(717) 772-2318

In 2003, she accepted a
position as part of the "First Cast" in the First National Tour and was
promised the lead role of Judy.
Verizon has a diverse work force of more than 210,000 in four business units:
Domestic Telecom serves customers based in 29 states with wireline
telecommunications services, including broadband, nationwide long-distance and
other services.

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Alice was beaming with pride to be a part of
this hit show which is choreographed by the legendary Twyla Tharp.alicealyse.com/modemsettlement or the OCA Web site at
http://www.

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The Banking Department will also issue new policies to define dishonest,
fraudulent, unfair, unethical and illegal mortgage lending practices.
Alice has devoted her life to ballet and dance.com .

* "American Ballerina"(TM) is a trademark of Ms.
In addition, present and former Verizon Long Distance customers in
Pennsylvania who did not previously lodge modem hijacking complaints with a
government agency will be eligible to receive a credit or refund for any modem
hijacking charges that were itemized on prior Verizon Long Distance bills.
For more information, visit http: //www.

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A statewide study of
foreclosures by The Reinvestment Fund (TRF), also released today, found that
Pennsylvania experienced an estimated 14 percent increase in sheriff sales, or
approximately 55,000 homes, between 2000 and 2003. The EEOC has already begun an investigation.
"My client never wished MOVIN' OUT anything but success," states her
attorney Larry Klayman, a high profile Miami lawyer who is also the founder of
Judicial Watch, a Washington, D."
For more information about Alice, see http://www.
The long distance charges from this scam can exceed $8 per minute for lengthy
and frequent calls to little-known foreign locations such as Tuvalu and the
Cook Islands. Current
Verizon Long Distance customers will receive credits on their bills .
* Disconnect the telephone line to your modem when the modem is not in
use.
(NYSE: VZ) is one of the world's leading providers of communications services.verizon.

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Policymakers, financial
industry leaders and consumer advocates recognize the problem and are united
in their commitment to protecting vulnerable consumers. The
Department will institute a "best practices" program for mortgage brokers,
lenders and servicers. Alice Alyse.

A copy of the Verizon-OCA agreement is available on Verizon's Web site at
http://www.

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"Our report offers significant
administrative and legislative changes as well as several topics for ongoing
study. In particular,
The Coalition for Responsible Lending including the Pittsburgh Community
Reinvestment Group, ACORN, Community Legal Services and the Community Action
Committee of the Lehigh Valley, along with the Mortgage Bankers Association,
the Association of Mortgage Brokers and the Pennsylvania Bankers Association,
among others that shared their insights.
In addition, Verizon Long Distance customers in Pennsylvania who paid
modem hijacking charges in the past will be eligible to receive a credit or
refund for any amounts that they paid to Verizon for such charges. Verizon Wireless owns and operates the nation 's most reliable
wireless network, serving 43.