We strive for the highest ethical standards with team members, customers and our communities.

Honesty, trust, and integrity are essential for meeting the highest standards of corporate governance. They are not just the responsibility of our senior leaders and our board of directors, we are all responsible. Corporations do not have a conscience, people do. Our ethics are the sum of all the decisions each of us makes every day. If you want to find out how strong a company’s ethics are, do not listen to what people say, watch what they do. This is even more important in our industry because everything we do is built on trust. It does not happen with one transaction, in one day on the job, or in one quarter, it is earned, relationship by relationship.

We behave ethically when we:

• Value and reward open, honest, two-way communication.
• Hold ourselves accountable for, and are proud of our decisions and our conduct.
• Only make promises we intend to keep, do what we say we will do. If things change, let people know.
• Share information with our colleagues that they need, and let them know if things change.
• Comply with the letter and the spirit of the law.
• Acknowledge and apologize for our mistakes, and learn from our errors so we do not make them again.

We want compliance and risk management to be part of our culture, an extension of our code of ethics. Everyone shapes the risk culture of our company. We encourage all team members to identify and bring risk forward. We should thank them for doing so, not penalize them. We believe an ounce of prevention is worth a pound of cure.