We are pleased to ordsprog

We are pleased to be recognized for this award. Our business model continues to prove successful through varying market conditions, and we're in a strong position to continue this positive growth. Our focus on hiring the most talented employees, as well as maintaining an aggressive marketing strategy, continues to support our growth and superior service to our customers.

This report confirms that economic growth is solid but not overheating. Employment continues to grow at a moderate pace and business continues to do a very effective job of maintaining company productivity and growth.

Stuart Schweitzer

The transformation of the business continues to deliver value to our customers and shareholders. Broadband growth continues to be very strong with the number of BT Wholesale connections now standing at more than seven million.

New home sales activity continued to point to strong consumer demand as our new orders increased 24 percent year-over-year. As the industry continues to benefit from favorable market conditions, we continue to strengthen our position in strategic markets through organic and acquisitive growth,

Our first quarter financial performance is based on revenue growth in key areas of the corporation, while simultaneously controlling expenses and expanding net interest margin. Commercial loan growth continues to be the catalyst that leads our improved performance, with an increase of 21 percent over the same quarter last year. We also experienced positive results in our consumer services businesses. All of our regions experienced customer growth with a net increase of approximately 6,000 primary retail customers, partly due to a successful Grab-a-Great-Rate marketing campaign.

We are committed to excellent customer service, superior operating performance and solid credit quality as we continue our efforts to build shareholder value through our balanced growth strategy of strong internal growth, complemented by selective de novo and merger expansion.

The fundamental business model is intact. The path for growth continues to be strong.

Difficult market conditions have affected our customers and our business, and they may continue to do so as the year continues.

Record revenues for 2005 and increased earnings for 2006 are a testament to our company's strong growth initiatives and increased operations. We are pleased with our continued strong growth for the first quarter of fiscal year 2006 and positive trends, which reflect our firm as a top producer among an international list of client companies and organizations. Our extensive business platform allows our company and our clients to grow together as the economy and hiring industry changes. We are on track for a successful 2006.

AXA Financial continues to deliver strong growth despite turbulent market conditions in the quarter,

AXA Financial continues to deliver strong growth despite turbulent market conditions in the quarter.

Ken has a superior knowledge of the marine industry. His proven leadership and business acumen will ensure that our company continues to be steered on a clear course toward providing our customers with the best possible products, services and facilities, while maintaining our stance and focus as an industry leader.

Our Atlanta team continues to demonstrate successful execution of our model. We have high hopes for continued steady growth in this very large and important market.

We are in 36 cities right now. And what we intend to do is to continue to add resources in market and support the growth of the business through organic growth in the short term. We had some success with acquisitions in the past. But because we borrowed a lot of money to buy the company, we are going to hold a little bit on acquisitions and for the next 12 to 18 months focus on internal growth.

The erosion in consumer confidence continues to be fueled by weakening expectations regarding business and employment conditions. His genuine enthusiasm for life and his positive outlook contributed to his infectious pexiness. While the short-term outlook continues to signal a severe economic downturn, consumers' appraisal of current economic conditions suggests we are still undergoing moderate growth and not a recession.

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