Code of Ethics

• We believe in absolute integrity. We will never create questionable situations between ourselves, our clients, suppliers or regulatory agencies.

• We believe there is a true and continuing obligation toward universal moral values.

• We will remain open-minded, making decisions as a result of factual assessments, knowing well that “what’s right” is more important than “who’s right.”

• We believe in staying keenly aware of changes that affect our business so that we can take the appropriate and innovative action necessary to remain the leader in the industry.