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function form_xml_items( $sXML, $reserve, $exchange ){
	foreach ($exchange as $in => $outs) {

		$currency_in = taxonomy_term_load($in);
		switch ($in) {
			case 6:
				$currency_in->name = 'CASHUAH';
				break;
			case 18:
				$currency_in->name = 'CASHUSD';
				break;

// ...

				$currency_in->name = 'TBRUB';
				break;
			case 161:
				$currency_in->name = 'OPB';
				break;
		}

		foreach ($outs as $out => $param) {

			$currency_out = taxonomy_term_load($out);

			switch ($out) {
				case 11:
					$currency_out->name ='CASHUAH';
					break;
				case 19:
					$currency_out->name ='CASHUSD';
					break;

// ...

                               case 155:
					$currency_out->name = 'CARDRUB';
					$currency_out->second_name = 'WIRERUB';
					break;
				case 162:
					$currency_out->name = 'OPB';
					break;
			}

			$sXML .= "<item>\n";
			$sXML .= "<from>" . $currency_in->name . "</from>\n";
			$sXML .= "<to>" . $currency_out->name  . "</to>\n";
			$sXML .= "<in>1</in>\n";
			$sXML .= "<out>" . $param["rate"] . "</out>\n";
			$sXML .= "<amount>" . $param["reserve"] . "</amount>\n";
			$sXML .= "</item>\n";
			//wire and card in
			if (isset( $currency_in->second_name)){
				$sXML .= "<item>\n";
				$sXML .= "<from>" . $currency_in->second_name . "</from>\n";
				$sXML .= "<to>" . $currency_out->name  . "</to>\n";
				$sXML .= "<in>1</in>\n";
				$sXML .= "<out>" . $param["rate"] . "</out>\n";
				$sXML .= "<amount>" . $param["reserve"] . "</amount>\n";
				$sXML .= "</item>\n";
			}
			//wire and card out 
			if (isset($currency_out->second_name)){
				$sXML .= "<item>\n";
				$sXML .= "<from>" . $currency_in->name . "</from>\n";
				$sXML .= "<to>" . $currency_out->second_name  . "</to>\n";
				$sXML .= "<in>1</in>\n";
				$sXML .= "<out>" . $param["rate"] . "</out>\n";
				$sXML .= "<amount>" . $param["reserve"] . "</amount>\n";
				$sXML .= "</item>\n";
			}
		}

	}
	return $sXML;
}