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	<title>Xyiko.com</title>
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	<link>http://www.xyiko.com</link>
	<description>A Look At My Life And Such...</description>
	<pubDate>Fri, 28 Nov 2008 05:57:34 +0000</pubDate>
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			<item>
		<title>The Retail Business As It Stands</title>
		<link>http://www.xyiko.com/2008/11/the-retail-business-as-it-stands/</link>
		<comments>http://www.xyiko.com/2008/11/the-retail-business-as-it-stands/#comments</comments>
		<pubDate>Fri, 28 Nov 2008 04:46:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[Customer Services]]></category>

		<category><![CDATA[List]]></category>

		<category><![CDATA[Ann Taylor]]></category>

		<category><![CDATA[Banana Republic]]></category>

		<category><![CDATA[Bombay]]></category>

		<category><![CDATA[Cache]]></category>

		<category><![CDATA[Catherine's]]></category>

		<category><![CDATA[Circuit City]]></category>

		<category><![CDATA[Dillard's]]></category>

		<category><![CDATA[Disney]]></category>

		<category><![CDATA[Eddie Bauer]]></category>

		<category><![CDATA[Ethan Allen]]></category>

		<category><![CDATA[Fashion Bug]]></category>

		<category><![CDATA[Footlocker]]></category>

		<category><![CDATA[Gap]]></category>

		<category><![CDATA[Hollywood video]]></category>

		<category><![CDATA[Home Depot]]></category>

		<category><![CDATA[JC Penny]]></category>

		<category><![CDATA[K B Toys]]></category>

		<category><![CDATA[Lane Bryant]]></category>

		<category><![CDATA[Levitz]]></category>

		<category><![CDATA[linens and things]]></category>

		<category><![CDATA[Loews]]></category>

		<category><![CDATA[Macys]]></category>

		<category><![CDATA[Movie Galley]]></category>

		<category><![CDATA[Old Navy]]></category>

		<category><![CDATA[Pacific Sunware]]></category>

		<category><![CDATA[Pep Boys]]></category>

		<category><![CDATA[Piercing Pagoda]]></category>

		<category><![CDATA[Sharper Image]]></category>

		<category><![CDATA[Sprint Nextel]]></category>

		<category><![CDATA[Talbots]]></category>

		<category><![CDATA[Twitter]]></category>

		<category><![CDATA[Whitehall]]></category>

		<category><![CDATA[Wickes Furniture]]></category>

		<category><![CDATA[Wilson Leather]]></category>

		<category><![CDATA[Zales]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/?p=752</guid>
		<description><![CDATA[Ann Taylor 117 stores nationwide are to be shuttered
Lane Bryant, Fashion Bug,and Catherine’s to close 150 stores nationwide
Eddie Bauer closed 31 retail stores and outlets (low performing stores) but opened 10 new stores during the first three quarters of this year, and are not planning on closing anymore store locations in 2009
Cache will close all [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Ann Taylor </strong>117 stores nationwide are to be shuttered</p>
<p><strong>Lane Bryant, Fashion Bug,and Catherine’s</strong> to close 150 stores nationwide</p>
<p><strong>Eddie Bauer </strong>closed 31 retail stores and outlets (low performing stores) but opened 10 new stores during the first three quarters of this year, and are not planning on closing anymore store locations in 2009</p>
<p><strong>Cache</strong> will close all stores</p>
<p><strong>Talbots</strong> closing down all stores</p>
<p><strong>GAP (including Gap, Banana Republic and Old Navy)</strong> closing 85 stores</p>
<p><strong>Footlocker</strong> closing 140 stores more to close after January</p>
<p><strong>Wickes Furniture</strong> closing down</p>
<p><strong>Levitz</strong> closing down remaining stores</p>
<p><strong>Bombay</strong> closing remaining stores</p>
<p><strong>Zales</strong> closing down 82 stores and 105 after January.</p>
<p><strong>Whitehall</strong> closing all stores</p>
<p><strong>Piercing Pagoda</strong> closing all stores</p>
<p><strong>Disney</strong> closing 98 stores and will close more after January.</p>
<p><strong>Home Depot</strong> closing 15 stores 1 in NJ (New Brunswick)</p>
<p><strong>Macys </strong>to close 9 stores after January</p>
<p><strong>Linens and Things</strong> closing all stores</p>
<p><strong>Movie Galley</strong> closed 160 stores as part of reorganization plan to exit bankruptcy. The video rental company plans to close 400 of 3,500 Movie Gallery and Hollywood Video stores in addition to the 520 locations the video rental chain closed last fall</p>
<p><strong>Pacific Sunware </strong>closing stores</p>
<p><strong>Pep Boys</strong> Closing 33 stores</p>
<p><strong>Sprint/ Nextel </strong>closing 133 stores</p>
<p><strong>JC Penney</strong> closing a number of stores after January</p>
<p><strong>Ethan Allen</strong> closing down 12 stores.</p>
<p><strong>Wilson Leather</strong> closing down all stores, is converting the remaining stores into a new women’s accessories concept</p>
<p><strong>Sharper Image </strong>closing down all stores</p>
<p><strong>K B Toys</strong> closing 356 stores</p>
<p><strong>Loews</strong> to close down some stores</p>
<p><strong>Dillard’s</strong> to close some stores</p>
<p><strong>Circuit City</strong> closing 155 stores</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Macy&#8217;s Thanksgiving Day Parade Proves That Rick-Rolling Is Dead.</title>
		<link>http://www.xyiko.com/2008/11/macys-thanksgiving-day-parade-proves-that-rick-rolling-is-dead/</link>
		<comments>http://www.xyiko.com/2008/11/macys-thanksgiving-day-parade-proves-that-rick-rolling-is-dead/#comments</comments>
		<pubDate>Fri, 28 Nov 2008 02:20:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Comedy]]></category>

		<category><![CDATA[Music]]></category>

		<category><![CDATA[Television]]></category>

		<category><![CDATA[Macy]]></category>

		<category><![CDATA[parade]]></category>

		<category><![CDATA[rick-roll]]></category>

		<category><![CDATA[thanksgiving day]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/?p=750</guid>
		<description><![CDATA[
]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="344"><param name="movie" value="http://www.youtube.com/v/iXJnOjAGR24&#038;hl=en&#038;fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/iXJnOjAGR24&#038;hl=en&#038;fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"></embed></object></p>
]]></content:encoded>
			<wfw:commentRss>http://www.xyiko.com/2008/11/macys-thanksgiving-day-parade-proves-that-rick-rolling-is-dead/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Work, work, work</title>
		<link>http://www.xyiko.com/2008/11/work-work-work/</link>
		<comments>http://www.xyiko.com/2008/11/work-work-work/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 22:13:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Personal]]></category>

		<category><![CDATA[Work]]></category>

		<category><![CDATA[update]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/2008/11/work-work-work/</guid>
		<description><![CDATA[I have been busy working and Sara&#8217;s friend Natasha has been visiting, but I have a few ideas trying to escape so expect some updates VERY VERY SOON!
]]></description>
			<content:encoded><![CDATA[<p>I have been busy working and Sara&#8217;s friend Natasha has been visiting, but I have a few ideas trying to escape so expect some updates VERY VERY SOON!</p>
]]></content:encoded>
			<wfw:commentRss>http://www.xyiko.com/2008/11/work-work-work/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Boxee Invites</title>
		<link>http://www.xyiko.com/2008/11/boxee-invites/</link>
		<comments>http://www.xyiko.com/2008/11/boxee-invites/#comments</comments>
		<pubDate>Sun, 16 Nov 2008 22:56:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Invites]]></category>

		<category><![CDATA[Tech Tip]]></category>

		<category><![CDATA[boxee]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/2008/11/boxee-invites/</guid>
		<description><![CDATA[I have some boxee invites if anyone is interested&#8230;
]]></description>
			<content:encoded><![CDATA[<p>I have some boxee invites if anyone is interested&#8230;</p>
]]></content:encoded>
			<wfw:commentRss>http://www.xyiko.com/2008/11/boxee-invites/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Cute Animal Zen Moment</title>
		<link>http://www.xyiko.com/2008/11/cute-animal-zen-moment/</link>
		<comments>http://www.xyiko.com/2008/11/cute-animal-zen-moment/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 04:23:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Art]]></category>

		<category><![CDATA[Bear]]></category>

		<category><![CDATA[Bunny]]></category>

		<category><![CDATA[cute]]></category>

		<category><![CDATA[Lamb]]></category>

		<category><![CDATA[zen moment]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/?p=733</guid>
		<description><![CDATA[
]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.xyiko.com/wp-content/uploads/2008/11/1r3mh1.jpg"><img class="alignnone size-full wp-image-730" title="1r3mh1" src="http://www.xyiko.com/wp-content/uploads/2008/11/1r3mh1.jpg" alt="1r3mh1" width="604" height="488" /></a><a href="http://www.xyiko.com/wp-content/uploads/2008/11/2u7y5uf.jpg"><img class="alignnone size-full wp-image-731" title="2u7y5uf" src="http://www.xyiko.com/wp-content/uploads/2008/11/2u7y5uf.jpg" alt="2u7y5uf" width="640" height="469" /></a><a href="http://www.xyiko.com/wp-content/uploads/2008/11/499329541_a5548e7498_o.jpg"><img class="alignnone size-full wp-image-732" title="Spring Lamb" src="http://www.xyiko.com/wp-content/uploads/2008/11/499329541_a5548e7498_o.jpg" alt="Spring Lamb" width="600" height="398" /></a></p>
]]></content:encoded>
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		</item>
		<item>
		<title>Racism Springs Eternal&#8230;</title>
		<link>http://www.xyiko.com/2008/11/racism-springs-eternal/</link>
		<comments>http://www.xyiko.com/2008/11/racism-springs-eternal/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 03:46:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Comedy]]></category>

		<category><![CDATA[Politics]]></category>

		<category><![CDATA[assassination]]></category>

		<category><![CDATA[Black holidays]]></category>

		<category><![CDATA[black quarter]]></category>

		<category><![CDATA[fried chicken]]></category>

		<category><![CDATA[jobs]]></category>

		<category><![CDATA[Martin Luther King Day]]></category>

		<category><![CDATA[movin on up]]></category>

		<category><![CDATA[Obama win]]></category>

		<category><![CDATA[Racism]]></category>

		<category><![CDATA[senate]]></category>

		<category><![CDATA[Text messages]]></category>

		<category><![CDATA[watermelon]]></category>

		<category><![CDATA[white people]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/?p=724</guid>
		<description><![CDATA[So ever since Obama won the presidental race, almost every text message I get has a racial theme to it. Here are a few.
1. ALL WHITE PEOPLE ARE TO REPORT TO THE COTTON FIELDS BY 7AM TOMORROW MORNING FOR ORIENTATION.
2. It ain&#8217;t looking good! They just replaced the rose garden at the white house with [...]]]></description>
			<content:encoded><![CDATA[<p>So ever since Obama won the presidental race, almost every text message I get has a racial theme to it. Here are a few.</p>
<p>1. ALL WHITE PEOPLE ARE TO REPORT TO THE COTTON FIELDS BY 7AM TOMORROW MORNING FOR ORIENTATION.</p>
<p>2. It ain&#8217;t looking good! They just replaced the rose garden at the white house with a watermelon patch.</p>
<p>3. The national bird was just changed from the bald eagle to a fried chicken.</p>
<p>4. The National anthem has being changed to &#8220;Movin&#8217; On Up&#8221;.</p>
<p>5. <a href="http://www.xyiko.com/wp-content/uploads/2008/11/media1.jpeg"><img class="alignnone size-full wp-image-726" title="media1" src="http://www.xyiko.com/wp-content/uploads/2008/11/media1.jpeg" alt="media1" width="176" height="132" /></a> The new quarter.</p>
<p>6. Do u know why some of the blacks didn&#8217;t vote for Obama? Because he promised them jobs.</p>
<p>7. The Senate is asking that all assassination attempts be held til Martin Luther King day to limit the # of<br />
black holidays.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Ten Of The Most Annoying Phrases</title>
		<link>http://www.xyiko.com/2008/11/ten-of-the-most-annoying-phrases/</link>
		<comments>http://www.xyiko.com/2008/11/ten-of-the-most-annoying-phrases/#comments</comments>
		<pubDate>Sat, 08 Nov 2008 07:28:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Comedy]]></category>

		<category><![CDATA[List]]></category>

		<category><![CDATA[ten annoying phrases]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/2008/11/ten-of-the-most-annoying-phrases/</guid>
		<description><![CDATA[1 - At the end of the day
2 - Fairly unique
3 - I personally
4 - At this moment in time
5 - With all due respect
6 - Absolutely
7 - It&#8217;s a nightmare
8 - Shouldn&#8217;t of
9 - 24/7
10 - It&#8217;s not rocket science
]]></description>
			<content:encoded><![CDATA[<p>1 - At the end of the day<br />
2 - Fairly unique<br />
3 - I personally<br />
4 - At this moment in time<br />
5 - With all due respect<br />
6 - Absolutely<br />
7 - It&#8217;s a nightmare<br />
8 - Shouldn&#8217;t of<br />
9 - 24/7<br />
10 - It&#8217;s not rocket science</p>
]]></content:encoded>
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		</item>
		<item>
		<title>McCain&#8217;s Evil Concession Speech.</title>
		<link>http://www.xyiko.com/2008/11/mccains-evil-concession-speech/</link>
		<comments>http://www.xyiko.com/2008/11/mccains-evil-concession-speech/#comments</comments>
		<pubDate>Sat, 08 Nov 2008 05:00:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Comedy]]></category>

		<category><![CDATA[Politics]]></category>

		<category><![CDATA[Concession speech]]></category>

		<category><![CDATA[Cracked.com]]></category>

		<category><![CDATA[evil]]></category>

		<category><![CDATA[mccain]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/2008/11/mccains-evil-concession-speech/</guid>
		<description><![CDATA[
If McCain&#8217;s Concession Speech Was As Bitter As His Campaign &#8212; powered by Cracked.com
]]></description>
			<content:encoded><![CDATA[<div><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="479" height="410" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="id" value="player" /><param name="allowScriptAccess" value="always" /><param name="allowFullScreen" value="true" /><param name="wmode" value="transparent" /><param name="flashVars" value="sitename=Cracked.com&amp;video_title=If%20McCain%27s%20Concession%20Speech%20Was%20As%20Bitter%20As%20His%20Campaign&amp;skin=http%3A//cdn-i.dmdentertainment.com/DMVideoPlayer/playerskin.swf&amp;demand_content_sourcekey=cracked.com&amp;KEYWORDS=&amp;URL=http%3A//cdn-i.dmdentertainment.com/funpages/cms_content/16768/McCain%20Bitter%20Speech.flv&amp;adPartner=Adap&amp;demand_iconurl=http%3A//cdn-www.cracked.com/sites/cracked/images/favicon.gif&amp;v=1.8.3b&amp;height=37&amp;DESC=%3Cp%3EWhat%20happened%20to%20two%20weeks%20ago%2C%20when%20Obama%20was%20a%20terrorist%3F%3C/p%3E%0D%0A%0D%0A%3Cp%3E%3Cstrong%3EWhen%20not%20encouraging%20you%20to%20embed%20this%20video%20on%20your%20blog%20%28find%20the%20code%20in%20the%20bottom%20right%20corner%20of%20the%20player%29%2C%20Michael%20is%20the%20writer%20and%20co-founder%20of%20%3Ca%20target%3D%22new%22%20href%3D%22http%3A//www.thosearentmuskets.com%22%3EThose%20Aren%27t%20Muskets%21%3C/a%3E%3C/strong%3E%3C/p%3E&amp;demand_content_id=16768&amp;KEY=demandmediacracked&amp;demand_icontext=Watch%20more%20videos%20at%20Cracked.com%2C%20America%u2019s%20only%20humor%20site.&amp;demand_autoplay=0&amp;CATEGORIES=Entertainment%2CNews%2CLifestyle&amp;demand_page_url=http%3A//www.cracked.com/video_16768_if-mccains-concession-speech-was-as-bitter-as-his-campaign.html&amp;source=http%3A//cdn-i.dmdentertainment.com/funpages/cms_content/16768/McCain%20Bitter%20Speech.flv&amp;demand_iconlink=http%3A//www.cracked.com/&amp;TITLE=If%20McCain%27s%20Concession%20Speech%20Was%20As%20Bitter%20As%20His%20Campaign&amp;ID=16768&amp;demand_report_url=http%3A//www.cracked.com/update.aspx" /><param name="src" value="http://cdn-i.dmdentertainment.com/DMVideoPlayer/player.swf" /><embed id="player" type="application/x-shockwave-flash" width="479" height="410" src="http://cdn-i.dmdentertainment.com/DMVideoPlayer/player.swf" flashvars="sitename=Cracked.com&amp;video_title=If%20McCain%27s%20Concession%20Speech%20Was%20As%20Bitter%20As%20His%20Campaign&amp;skin=http%3A//cdn-i.dmdentertainment.com/DMVideoPlayer/playerskin.swf&amp;demand_content_sourcekey=cracked.com&amp;KEYWORDS=&amp;URL=http%3A//cdn-i.dmdentertainment.com/funpages/cms_content/16768/McCain%20Bitter%20Speech.flv&amp;adPartner=Adap&amp;demand_iconurl=http%3A//cdn-www.cracked.com/sites/cracked/images/favicon.gif&amp;v=1.8.3b&amp;height=37&amp;DESC=%3Cp%3EWhat%20happened%20to%20two%20weeks%20ago%2C%20when%20Obama%20was%20a%20terrorist%3F%3C/p%3E%0D%0A%0D%0A%3Cp%3E%3Cstrong%3EWhen%20not%20encouraging%20you%20to%20embed%20this%20video%20on%20your%20blog%20%28find%20the%20code%20in%20the%20bottom%20right%20corner%20of%20the%20player%29%2C%20Michael%20is%20the%20writer%20and%20co-founder%20of%20%3Ca%20target%3D%22new%22%20href%3D%22http%3A//www.thosearentmuskets.com%22%3EThose%20Aren%27t%20Muskets%21%3C/a%3E%3C/strong%3E%3C/p%3E&amp;demand_content_id=16768&amp;KEY=demandmediacracked&amp;demand_icontext=Watch%20more%20videos%20at%20Cracked.com%2C%20America%u2019s%20only%20humor%20site.&amp;demand_autoplay=0&amp;CATEGORIES=Entertainment%2CNews%2CLifestyle&amp;demand_page_url=http%3A//www.cracked.com/video_16768_if-mccains-concession-speech-was-as-bitter-as-his-campaign.html&amp;source=http%3A//cdn-i.dmdentertainment.com/funpages/cms_content/16768/McCain%20Bitter%20Speech.flv&amp;demand_iconlink=http%3A//www.cracked.com/&amp;TITLE=If%20McCain%27s%20Concession%20Speech%20Was%20As%20Bitter%20As%20His%20Campaign&amp;ID=16768&amp;demand_report_url=http%3A//www.cracked.com/update.aspx" wmode="transparent" allowfullscreen="true" allowscriptaccess="always"></embed></object><br />
<a href="http://www.cracked.com/video_16768_if-mccains-concession-speech-was-as-bitter-as-his-campaign.html">If McCain&#8217;s Concession Speech Was As Bitter As His Campaign</a> &#8212; powered by Cracked.com</div>
]]></content:encoded>
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		</item>
		<item>
		<title>Mistaken Identity</title>
		<link>http://www.xyiko.com/2008/10/mistaken-identity/</link>
		<comments>http://www.xyiko.com/2008/10/mistaken-identity/#comments</comments>
		<pubDate>Mon, 20 Oct 2008 20:09:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Comedy]]></category>

		<category><![CDATA[Comic]]></category>

		<category><![CDATA[Little Red Riding Hood]]></category>

		<category><![CDATA[Santa]]></category>

		<category><![CDATA[Wolf]]></category>

		<category><![CDATA[woods]]></category>

		<guid isPermaLink="false">http://www.xyiko.com/?p=708</guid>
		<description><![CDATA[
]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.xyiko.com/wp-content/uploads/2008/10/mistaken.jpg"><img class="alignnone size-full wp-image-707" title="mistaken" src="http://www.xyiko.com/wp-content/uploads/2008/10/mistaken.jpg" alt="" width="500" height="754" /></a></p>
]]></content:encoded>
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		</item>
		<item>
		<title>John Stumpf, CEO of Wells Fargo Leaves Message About Merger Online</title>
		<link>http://www.xyiko.com/2008/10/john-stumpf-ceo-of-wells-fargo-leaves-message-about-merger-on-online/</link>
		<comments>http://www.xyiko.com/2008/10/john-stumpf-ceo-of-wells-fargo-leaves-message-about-merger-on-online/#comments</comments>
		<pubDate>Thu, 16 Oct 2008 01:57:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business]]></category>

		<category><![CDATA[CEO]]></category>

		<category><![CDATA[John Stumpf]]></category>

		<category><![CDATA[Letter]]></category>

		<category><![CDATA[Merger]]></category>

		<category><![CDATA[Wachovia]]></category>

		<category><![CDATA[Wells Fargo]]></category>

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		<description><![CDATA[Customer Message from John Stumpf, President and CEO
To Our Customers,
The dramatic changes taking place in the financial services industry and economy these days are historic in scope and proportion. And as you may know, Wells Fargo &#38; Company and Wachovia Corporation have agreed to merge and create the nation&#8217;s premier coast-to-coast community banking presence.
You may [...]]]></description>
			<content:encoded><![CDATA[<p>Customer Message from John Stumpf, President and CEO</p>
<p>To Our Customers,</p>
<p>The dramatic changes taking place in the financial services industry and economy these days are historic in scope and proportion. And as you may know, Wells Fargo &amp; Company and Wachovia Corporation have agreed to merge and create the nation&#8217;s premier coast-to-coast community banking presence.</p>
<p>You may be asking yourself, &#8220;What does this mean for me as a Wells Fargo customer?&#8221;</p>
<p>The answer simply is - it&#8217;s business as usual. That&#8217;s because perhaps never before in our company&#8217;s 156-year history has Wells Fargo enjoyed a greater reputation for strength, security, financial discipline, and doing what&#8217;s right for the customer than it does today.</p>
<p>You trust us with your business. You continue to give us even more of it. We&#8217;re attracting more customers and earning more business from our current customers like you because many of our customers rave about us to their families, friends and business associates. We&#8217;re known and admired for our conservative financial services approach and time-tested business model, and it succeeds because you trust us to do what&#8217;s right for you, the customer.<br />
We still focus, as always, on what got us here - building lifelong relationships with our customers and communities. Our team works hard to know you, understand your complete financial picture, listen to you, provide you value and reward you for doing even more business with us. We put you at the center of everything we do. And we work together to decide locally how we can help support the communities in which you - and we - live and work.</p>
<p>Thank you for entrusting us with your business!</p>
<p>John Stumpf<br />
President and CEO</p>
<p>October 2008</p>
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