We believe our first responsibility is to our clients who use our products and services. To meet their needs, everything we do must be of highest quality. Our level of service must be personal and unmatched. We must constantly strive to reduce our costs in order to maintain reasonable prices. Our Preferred Business Partners must share our business beliefs and must have an opportunity to make a fair profit.

We are responsible to our employees. We respect their dignity and recognize their merit and their contributions to the success of our organization.

Our final responsibility is to our owners. We must operate in an ethical and fiscally responsible manner. We must observe the privacy of personal information we receive. We must experiment with new ideas. We must constantly search out and create new products and develop new services. Reserves must be created for adverse times.