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<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=110 BGCOLOR="#666699" TEXT="#080000" bgproperties="fixed" background="04900840erlcjm.png"> <div> <B> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="600" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 103 ><NOBR><div> <A HREF="index.htm" TARGET="_top" TITLE="Hoytnet Home"><U><B><IMG SRC="063775a0.jpg" border=0 width="119" height="90" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div> <B>Hoyt & Company</B></div> <div> <A HREF="services.htm" TARGET="_top" TITLE="What We Do"><U>What We Do</U></A> | <A HREF="who.htm" TARGET="_top" TITLE="Who We Are"><U>Who We Are</U></A> | <A HREF="articles.htm" TARGET="_top" TITLE="How We Think"><U>How We Think</U></A> |<A HREF="contact.htm" TARGET="_top" TITLE="Contact Us"><U> Contact Us</U></A></div> </NOBR></tD> </tR> </TABLE></B></div> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=165 BGCOLOR="#CCCCFF" TEXT="#080000" background="04311c00egdysm.png"> <div> <A HREF="who.htm" TARGET="_top" TITLE="Who We Are"><U><B>Wh</B></U></A><A HREF="who.htm" TARGET="_top" TITLE="Who We Are"><U><B>o We Are</B></U></A></div> <bR> <div> <A HREF="services.htm" TARGET="_top" TITLE="What We Do"><U><B>What We Do</B></U></A></div> <bR> <div> <A HREF="training.htm" TARGET="_top" TITLE="Executive Development"><U><B>Training</B></U></A></div> <bR> <div> <A HREF="consulting.htm" TARGET="_top" TITLE="Consulting"><U><B>CPG Consulting</B></U></A></div> <bR> <div> <A HREF="speaking.htm" TARGET="_top" TITLE="Speaking"><U><B>Speaking</B></U></A></div> <bR> <div> <A HREF="articles.htm" TARGET="_top" TITLE="How We Think"><U><B>How We Think</B></U></A></div> <div> <A HREF="articles69.htm" TARGET="_top" TITLE="Chris Hoyt Articles"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Articles</B></U></A></div> <div> <A HREF="presentations.htm" TARGET="_top" TITLE="Industry Talks"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Talks</B></U></A></div> <bR> <div> <A HREF="contact.htm" TARGET="_top" TITLE="Contact Us"><U><B>Contact Us</B></U></A></div> <bR> <div> <A HREF="privacy.htm" TARGET="_top" TITLE="Privacy Policy"><U><B>Privacy Policy</B></U></A></div> <bR> <bR> </td> <td valign="top" height=370 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="0e4281e3.jpg"> <div> <I><B>     </B></I><A HREF="consulting.htm" TARGET="_top" TITLE="Consulting"><U><I><B><IMG SRC="0f3d3730.png" border=0 width="211" height="115" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A><I><B>         </B></I><A HREF="training.htm" TARGET="_top" TITLE="Executive Development"><U><I><B><IMG SRC="0e8d2730.png" border=0 width="210" height="115" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A><I><B>   </B></I></div> <div> <I><B>  </B></I><FONT SIZE="6" COLOR="#000000" FACE="Arial" ><A HREF="speaking.htm" TARGET="_top" TITLE="Speaking"><U><IMG SRC="0eac96e0.png" border=0 width="201" height="110" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></FONT></div> <div> <I><B> <A NAME="anchor"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="1" ALIGN="bottom" WIDTH="1" HSPACE="0" VSPACE="0" ></A></B></I><I><B>                                                                                                </B></I><FONT SIZE="6" COLOR="#990000" FACE="Arial" ><I><B>                                                                                                                           </B></I></FONT></div> <div> <I><B>                          </B></I></div> </td> </tr></table></body>