russell prichard, representing the hayes valley merchant association. i am 21 your business owner of hayes valley. i own it several home interiors in the 500 block of haze. myself and several other merchants who have essentially 15-year plus history in our neighborhood have worked very tirelessly to take hayes valley, specifically the four hundred block of 500 block, from one of the worst neighborhoods in san francisco to what is now one of the best neighborhoods in san francisco. we feel is of utmost importance to protect what we have developed in hayes valley, and neighborhood of unique individual businesses, and urge you to put banks within the ban on chain stores, so we will be able to maintain the integrity of our neighborhood. especially at this point, with hayes valley on the verge of a very strong and powerful growth in development, with buildings about to rise along octavia boulevard, a new building on the 400 block of hayes street. and a project going up on grove, which will include retail. it is very important that a bank, banks in general, be